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30 Jun 2003 Complete only if: for joint credit, for individual credit relying on income or assets from other sources, or applicant is married and resides in a 

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19 Aug 2016 If you are in an urgent need to issue a credit note, you are welcome to download one of our Excel or Google Spreadsheet templates as a quick 

Whenever you are taking payment by credit card and the card isn't present, there is some degree of risk.

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