2 August 2021
When you open a credit card account with your bank, you will receive certain benefits based, in part, on your credit profile. The number of interest free days and the interest rate are among the credit conditions that will apply.
18 July 2021
Have you ever looked at your credit report and thought that the information displayed does not match what you know? You have paid your accounts, or you’ve completed the debt counselling programme, but it’s not reflected in your cre...
14 July 2021
Everyone who owns a television in South Africa is liable to pay for a TV licence. But what happens if you don’t pay it? We have a look at how the license works, and how failure to pay it can impact your credit score.
12 July 2021
A recent study by MIT Sloan investigated whether credit cards motivate consumers to “step on the gas” when it comes to spending. We consider the impact credit cards have on spending.
7 July 2021
If a judgment is issued against your name, you will soon notice its impact on your credit score. We have a look at what a judgment is, and we consider the steps you should take to have this officially removed from your credit report.
28 June 2021
You may know that failing to settle your debt on time can result in a judgement, creating havoc with your credit score. But how long will it take to reflect?
10 June 2021
Perhaps you checked your credit score today. To your dismay, you find out it’s gone down significantly. If you had realised it was going down sooner, you may have taken action to reverse the damage.
3 June 2021
If you have a large income, it may appear that you will be able to handle large amounts of debt with ease and, therefore, you should automatically have a good credit score. However, the credit bureaus may not agree.
1 June 2021
If you have entered the world of credit, you may have been warned that you need to protect your credit score. However, there are several things that won’t impact your score.
31 May 2021
It can be difficult to qualify for credit, and you may not wish to take on further debt. An easy way to boost your credit score is to have an internet or mobile phone contract in your name.
20 May 2021
The credit bureaus consider several factors when they calculate your credit score, including your credit usage and habits. But what happens if you have access to credit, and you don’t use any of it?
19 May 2021
When you apply for a credit card or a loan, your new creditor will look at your credit score to assess your creditworthiness. However, is this the only indicator they can consider?
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