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The Voice Line / the credit
the operators credit, settled on a period
The credit limit and the settlement day
A credit telephone account is not a loan. It is an operator deciding how much a known caller may stake before settling, and on what day the stake is paid. This page sets out the limit, the settlement period, and what happens when a settlement is missed.
Desk spec
- weekly limit
- 250.00
- Thursday bets
- 96.00
- settlement day
- Friday
- limit used
- 38.4%
- unsettled before suspend
- 7 days
- interest
- none
the price read aloudThe spoken price, obtained after a hold. Across 1,200 matched bets it was worse than the screen in 408 and worse by a mean 2.7%.
the recordingThe record of what was said, kept for a fixed window. Of 96 disputes it decided 71, and 46 of those against the caller.
the channel costHold time plus call time. A mean 9.5 minutes on the line, or 4.75 where a number is billed at 0.50 a minute.
Direct answerA credit telephone account places bets against an agreed limit and pays them on a settlement day - weekly, monthly, or on demand. A 250.00 weekly limit with 96.00 of Thursday bets settles on the Friday. No interest is charged, and an account left unsettled for seven days is suspended rather than billed.
a weekly credit account
agreed weekly limit 250.00
Thursday: 4 bets 96.00
limit used 38.4%
Friday: settlement day
paid 96.00
limit reset 250.00
if the Friday is missed
day 1-6 the account still bets
day 7 the account is suspended
rather than charged
What the limit is measuring
The limit is not the operator measuring the caller. It is the operator measuring its own exposure: the most it is willing to have carried forward to a settlement day. That is why a limit is set per account and per period rather than per bet, and why reaching it stops the account rather than refusing a single bet.
Why no interest
No interest is charged because the arrangement is not lending. The operator carries a known caller across a short period as a convenience of the channel; the remedy for non-payment is suspension, not a charge. The cost of the credit is built into the price rather than billed as interest.
A credit account and a funded account are the same channel. The difference is only who carries the money between the instruction and the settlement.