CUSTOMER CREDIT SCHEME POLICY

• No deposit required.
• Minimum accumulated purchase value is K300.00 and can comprise of any items from Brian Bell or partner organisations.
• Maximum purchase value is determined by Applicant’s LSL entitlements and net pay.
• Multiple quotes are permitted subject to Applicant’s eligibility.
• Minimum repayment term is 6 fortnights or Three (3) months.
• Maximum repayment term is 26 fortnights or One (1) year.
• Applicant’s CCS deduction must not exceed 50% of net pay.
• Total CCS purchase value (including term charges) must not exceed 50% of Applicant’s LSL entitlements.
• First deduction must commence before items are collected/delivered (Cash payment in lieu of first deduction is not permitted).
• Applicant must provide evidence of first deduction i.e. Payslip prior to collection/delivery of items.

Checklist

PRE- REQUISITES

1. Applicant’s Employer must be registered with Customer Credit Scheme (CCS) – Refer CCS staff for confirmation.
2. Applicant must be employed a minimum of three (3) years with the same organisation.
3. Employment status is Permanent – Part time/casual employees are ineligible.

REQUIREMENTS

1. Three (3) latest payslips.
2. Copy of identification e.g. Current employment ID, PNG driver’s licence, Passport etc.
3. Confirmation of Employment Letter outlining:
   • Date Of Employment
   • Current Position Held
   • Remuneration
   • Value Of Long Service Leave (LSL) Entitlements
4. Quote from Brian Bell or any partner organisation such as Keynote Music House. Enquire in-store for other partner organisations.

*Quotes are obtained from any Brian Bell Customer Service Desk and directly from any partner organisation.
ALL QUOTES ARE VALID FOR 14 DAYS ONLY*