| Please note before joining or switching to a new group:
- If this is the first group you have ever joined
then all of your current credit will be given to this
group, in addition to all new credit you receive.
- If you are currently a member of a group
and are switching to another group, the new group will receive
all of your new credit, but the old group will keep all
of your old credit.
- Joining a group does not affect your personal credit
statistics in any way.