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Is a wallmart money order a cash advance

Ads were exempt from this provision only when Regulation 6(1) applied and the only rate of interest or amount relating to the cost of credit was the RAPR itself. We therefore understood is a wallmart money order a cash advance were the cashback offer not to be an incentive to apply for credit requiring (under Regulation 6(1)) the inclusion of the RAPR, cash advance crossword climber if the ad did not include any other triggers for the RAPR, the ad would have needed to include a representative example.

Because the cashback offer constituted an incentive to apply for credit, the RAPR needed to be communicated with greater prominence than the offer itself. The offer was included towards the end of the ad in both the voice-over (". when you pay back in full on your original due date, we'll give you £5 cashback for every £100 you borrow") and in bold text in a large yellow circle that appeared on-screen ("£5 Cashback for every £100 borrowed"), whilst the RAPR was stated only in text at the bottom of the screen.

Although we noted that the ad should be taken as a whole, we considered that information given in a voice-over would generally be seen by consumers as being more prominent than on-screen text at the bottom of the screen, and that on-screen text at the bottom of the screen was therefore unlikely to be sufficiently prominent if the triggering information was given in the voice-over, or both in the voice-over and on-screen.

Is a wallmart money order a cash advance

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Is a wallmart money order a cash advance