by Carla Oberholzer | May 20, 2025 | Articles, CreditSmart Essential Reading
1. The Crushing Weight on Your Credit Score One of the most significant, yet often underestimated, hidden costs of ignoring your debt in South Africa is the profound damage it inflicts on your credit score. When you miss payments, default on loans, or face judgments,...
![Consumer Rights & Responsibilities [March Reminder]](https://www.creditsmart.co.za/wp-content/uploads/2025/03/CS_Social-Media_MAR-Li-Week-4_1-1080x675.jpg)
by Carla Oberholzer | Mar 13, 2025 | Articles, CreditSmart Essential Reading
March is not just about human rights – it’s also a time to highlight your rights as a credit consumer. While the National Credit Act (NCA) protects you, understanding your responsibilities is just as important. Your Rights as a Consumer: Apply for credit and receive...
by CreditSmart Author | Jan 10, 2025 | Articles, CreditSmart Essential Reading
“As the calendar flips to 2025, it’s time to rethink how you handle your money. Let’s focus on simplicity, clarity, and some go-to steps to achieve financial health and peace of mind this year. Small, consistent actions can help build a strong foundation for long-term...
by CreditSmart Author | Nov 25, 2024 | CreditSmart Essential Reading
“It’s the most wonderful time of the year”, as the festive jingle goes, painting a joyous picture of celebrations and togetherness. However, the end of the year also brings silly spending temptations. From BIG ‘sales’ to ‘buy now, pay later’ offers, it’s all too easy...
by CreditSmart Author | Oct 7, 2024 | Articles, CreditSmart Essential Reading
#CreditOpportunities #FinancialJourney Imagine being turned down for your first home or car simply because you’ve always paid in cash. Sounds unfair, right? Welcome to the world of credit scores, where your credit history and rating can play a key role to make or...
by CreditSmart Author | Aug 19, 2024 | Essential Reading
Women’s Month 2024 “This Women’s Month, I want to encourage my fellow South African ladies to make their finances count. While we may not be able to control external economic factors or financial disruptions, how we proactively prepare for and handle unexpected...
