Author name: Carl Depay

Think every store card offered at the till is a trap? 😅 Not exactly — some genuinely save you money, […]

No payslip? 😮 A South African bank might still say yes — find out what actually counts as proof of

Think swiping a store card is a shortcut to a better credit score? 🤔 It can help — but only

Chasing the lowest credit card fee in South Africa? 😮 The cheapest sticker price is not always the cheapest card

Not sure which credit card to pick as your very first one? 😅 The secret isn’t finding the “best” bank

Not sure if your SASSA card can rack up debt the way a credit card can? 😮 It can’t —

Tired of applying and getting declined, with no idea what to fix first? 😮 A clear 30-day plan beats another

Worried that small monthly instalment on a new couch or fridge hides a much bigger bill? 😬 It usually does

Under debt review and wondering if a bank can still offer you a new card? 😮 The law is actually

Wondering if 90 days is really enough to turn your credit profile around? 😮 It’s enough to build the habits