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<<0.25% repayment interest rate credit when payments are set up for automatic debit from a bank account >>
I don't know how this works. It doesn't sound like the overall rate is lowered from 8.5 to 8.25, but that somehow that when you do the repayment thru direct debit, they credit this back to you. I'm sure a banker will chime in and explain what I don't understand
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