text: Related provisions for CONC 4.5.2 - FCA Handbook
  Related provisions for CONC 4.5.2
  A firm must first allocate a repayment to the debt subject to the highest rate of interest (and then to the next highest rate of interest and so on)1 for:(1) the outstanding balance on a credit card; or(2) the outstanding balance on a store card; or(3) a credit card or a store card, in relation to which there is a fixed-sum credit element, to repayments beyond those required to satisfy the fixed instalments. [Note: paragraph 6.3 of ILG]
  A firm must not increase, nor offer to increase, a5customer'scredit limit on a credit card or retail revolving credit agreement5 where: (1) the firm has been advised that the customer does not wish to have any credit limit increases; or(2) a customer is at risk of financial difficulties. [Note: paragraphs 6.6 and 6.7 of ILG]
  CONC 4.2.15R 19/03/2019 RP
  CONC 3.3.10G 01/04/2014 RP
  Examples of practices that are likely to contravene the clear, fair and not misleading rule in CONC 3.3.1 R include:(1) stating or implying that a firm is a lender (where this is not the case);[Note: paragraph 3.7e (box) of CBG](2) misleading a customer as to the availability of a particular credit product; [Note: paragraph 3.9p of CBG(3) concealing or misrepresenting the identity or name of the firm; [Note: paragraph 3.7g (box) of CBG(4) using false testimonials, endorsements