PART C Banking services C1 Joint Accounts 146. If you have a joint account, we will tell you how you can use that account. How you can stop withdrawals 147. If you have a joint account, from which either you or another account holder can make withdrawals, you can ask us to change the account authority so that all account holders have to approve any future withdrawals. This may be relevant to you if you are vulnerable (see Part B2). 148. The above paragraph does not apply to directors of a company who are signatories on behalf of the company, rather than joint account holders in their personal capacity. Joint Accounts and Financial Difficulty 149. If you have a joint account with someone and you are experiencing Financial Difficulty, then we can assist you. If you ask us to, we can do so without involving the other person initially. C2 Direct debit and recurring payment services 150. We will provide information on our websites about how Direct Debits or Recurring Payments may be cancelled. We will give you a list of your Direct Debits and Recurring Payments 151. If you ask us to, we will give you a list of Direct Debits and Recurring Payments on your accounts for up to the previous 13 months. The list will include only those Direct Debits and Recurring Payments that are known to us from the information we receive about your transactions. What we will do when you ask to cancel a Direct Debit or advise us of a problem with a Direct Debit 152. You can ask us to cancel your Direct Debit request and we will promptly process this. This paragraph does not apply to cancellations of Recurring Payments (whether via a debit card or credit card), which must be done by contacting the Merchant or service provider directly. 153. You can ask us to investigate an unauthorised Direct Debit and we will act promptly to assist you. C3 Credit and debit cards We will give you notice before an introductory balance transfer offer ends 154. If you have an introductory balance transfer offer on your consumer credit card, we will give you at least 30 Days’ notice before it is due to end. How we treat your existing credit cards when you apply for a new Loan or Loan increase 155. If the National Credit Code would apply to the new Loan or Loan increase we are considering providing to you, we will factor in your ability to repay the amount of your existing consumer credit card limits within three years when complying with our obligations to you under this Code. Setting a credit card limit when you apply 156. You can let us know what your preferred credit card limit is and we will not give you a limit that is more than what you requested. Transactions may be processed which nevertheless cause you to exceed your limit. You can ask us to dispute a transaction on your credit or debit card account 157. If, within the time limit set by your credit card or debit Card Scheme rules — you tell us that you dispute a transaction on your card, then we: a) will claim the relevant amount back if we find it to 30 | ausbanking.org.au
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