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You also have special protection against the fraudulent use of your credit card data. The credit contract must contain the following specific information so that it is legally binding and enforceable: If you have terminated a joint credit contract because you have broken up with the other candidate, you certainly do not want your creditworthiness to affect your own ability to borrow in the future, so it is generally preferable that the club be removed from your credit report as soon as possible. The financial associations themselves are quite normal (and nothing to fear), but they mean that you might see your chances of being accepted for loans diminished if the person with whom you are financially bound has a lower credit quality than you and vice versa. It should be remembered that there is no need to indicate a reason to terminate a credit contract within 14 days – as long as there is no balance on the credit facility or the item (if purchased on Financing) has not been used, this should be all they need to know. Exceptions include goods or services valued at or below $42, insurance contracts, consumer credit contracts that must have their own revocation clauses (see above), all other credit contracts regulated by the Consumer Credit Act after a requested visit, and certain financial services. The company must inform the consumer in due course or, if this is not possible, immediately after the consumer`s effect, of a contract to which the right of withdrawal defined in point 11.1.1 R applies and of a lasting support, of the existence of the right of withdrawal, its duration and the conditions of its exercise, including information on the amount that the consumer can pay. , the consequences of the lack of exercise and practical instructions for exercise, with indication of the address at which the notice of withdrawal should be sent. In both cases, you must inform the lender that you wish to resign. This can be done orally or in writing (if possible by registered delivery). You should use the credit contract details.