We have a prudent approach to helping customers manage their finances. It is important to ensure that we are never putting our customers in a potential position of hardship. By continuing to allow payment on one form of debt (e.g. a Fixed Instalment account) with another form of debt (e.g. a credit card), we cannot in all good conscience say we are protecting our customers. No other credit cards encourage this option and the industry standard is not to accept one form of credit to pay another.