Information on your credit agreement Your credit agreement is a legally binding contract between the borrower (you) and the creditor (us) that outlines the terms of your credit account. When you set up your account, you'll be able to read this agreement - you'll also be able to download it. The agreement will include: The terms and conditions related to your credit account Your current interest rate. Information about your statements and credit limit. Terms of repayment. Other information to help you make an informed decision on whether a credit account is right for you. If you need another copy of your credit agreement, please get in touch.