Your guide to your rights as consumer in South Africa in 2019

Living in sunny South Africa can be a bit of an emotional rollercoaster sometimes – there are many things to be happy about, quite a bit to frown about and lots of challenges we have to face as a nation on a daily basis. However, when it comes to our National Credit Act, we have it very good. South Africa’s NCA is seen as one of the most progressive in the world, and has been tailored to look out for the consumer.

date: 03/06/2019Author:

The credit act is enforced by the National Credit Regulator, a governing body that promotes a fair and non-discriminatory market place for access of consumer credit. In accordance with the NCA, consumers have certain inalienable rights to which credit providers have to adhere. In short – you are not out in the cold, there are people watching your back.

When you apply for credit in South Africa in 2019 you are entitled to the following rights:

The right to apply for credit. The right not to be discriminated against when applying for credit.
The right to be given reasons for credit being declined.
The right to be given documents in an official language that you understand.
The right to be given documents in clearly understandable language.
The right to be given written documentation relating to the credit transaction.
The right to confidentiality of personal information. The right to access and challenge information held by a credit bureau. The right to receive periodic statements.


Many South Africans never apply for a credit report before applying for credit. It is important to draw a credit report and ensure all your information is updated and correct on your profile. If you have trouble interpreting your credit report, or require assistance in clearing you credit report of old or outdated information, the Libertine Consultants team can assist.

In this article we will be discussing the first two rights you are guaranteed by the National Credit Act, namely:

The right to apply for credit

This provision is covered in section 60 of the National Credit Act. The NCA provides every person or company the right to apply for credit from any credit provider. However, this does not prevent the credit provider from refusing their application. Their reasons for the refusal should be in accordance with the credit risk evaluation processes.

The right not to be discriminated against when applying for credit

This provision in covered in section 61 of the National Credit Act. This protects consumers from being discriminated by a credit provider. A credit provider is forbidden from discriminated on the basis of race, age, political affiliation, sexual orientation, religious belief, or affiliation to any particular trade union. A consumer who is of the opinion that their right has been violated they can approach the Equality Court or may lodge a complaint with the NCR.

There you have it – your first two rights as a consumer in South Africa in 2019 explained. If you would like some more information in this regard, or feel that your rights have been ignored by a credit provider, please feel free to get in touch with Libertine Consultants. We are here to assist you in living an abundant life free from the worry of unmanageable debt.

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