"The credit is still recorded against you at a portfolio level..."
Herein is one of the major problems with people discussing economic issues. They write odd, incomprehensible sentences such as this.
Whatever IOOF uses is for, doesn't affect me so why is it of my concern? I am not in growth phase in my super so no "credit" will appear "against" me as you so ambigiously attempt to comment. Credits are usually a good thing and thus not go "against" anything. Poor language skills, Johnny Boy.
