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When you apply for a charge card, there are certain procedures that every lender follows, regardless of which country you have been in. Generally, after you have submitted a credit card applicatoin for a card, the issuing company will analyse your earnings and outgoings, carry out a credit score search, and make a decision as to whether you are qualified as a 'good' or even 'bad' credit risk. The process of applying for a card in the united kingdom and Ireland is essentially the exact same. You are required to provide information for example your income and expenses, employment history and information on your living situation, so they can assess your degree of responsibility and your ability to repay the credit debt. However, in Ireland, there is one additional factor you need to consider. In Ireland, an annual government stamp duty applies on all charge cards accounts, which is currently set at EUR30 each year. This stamp duty does not apply when you obtain credit cards in England, Wales or in truth, any other country in the globe. The fee is only payable once each year, per account, regardless of how many cards are mounted on the account. If you transfer your charge card account to a new bank, you also won't be required to pay for the duty a second time - however, you must close the old account to prevent paying stamp duty again. Your unique credit card deal provides you with a letter of closure, stating you have paid your stamp duty for the entire year, which you are required to spread to your new card issuer. Stamp duty is payable on April 1 every year, for the preceding year.






Peter Carville is really a freelance article writer who writes with regard to Financial Facts concerning the current financial news and the recession.

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