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And on the larger loans your credit score will not only decide whether you get the loan, but how much they are going to give you, how much you want to put down yourself as a deposit ( in the case of a place purchase ) and the interest rate you will be charged.
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The thing is if you are not compliant you can get fined very heavily from the bank. This is because the bank is actually being fined by the card processing companies and then they're passing on the fine to you as the consumer who was under them and therefore had broken their contract. So it is very important not to have the cost of the compliancethat you really focus on the agreement and understand what is required of you.
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