Human Rights Day South Africa – Consumer Rights (National Credit Act) : Section 60-66.



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Section (60): Every consumer has the right to apply for credit, but a credit provider has the right to refuse credit on reasonable grounds.
Section (61): Every consumer has the right of protection against discrimination in respect of credit.

No credit provider may discriminate against a consumer on the ground of the Constitution or the Promotion of Equility and Prevention of Unfair Discrimination.
Section (62): Every consumer has the right to credit being refused. The credit provider needs to inform a consumer in writing of the dominant reason for :
– offering a lower credit limit than applied for/ lowering a credit limit on an existing credit facility.
– refusing to increase a credit limit of an existing credit facility.
– refusing to renew an expired credit card or renewable credit facility.
Section (63) : Every consumer has the right to information in an official language. Any document should be in a language the consumer reads/understands. It needs to be reasonable having regards to usage, practicality, expense and reasonable circumstances. This will be in at least 2 official languages.
Section (64): Right to information in a plain and understandable language. This means that the document should be easy to understand for any person with average literary skills and minimal credit experience.
Section (65): Every consumer has the right to receive documents.

You can choose how to receive your documents:
– ordinary mail
– email
– fax
– printable web page
Section (66): Every consumer has the right to protection of consumer credit. Credit providers are required to protect the confidentiality of consumer information.