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Use credit the right way

Credit health

Credit is an arrangement that lets you buy things now and pay for them later. To get credit, you must be able to prove that you can pay back the amount you want to borrow.

Learn more about credit health
What is credit
What is credit

Credit is an arrangement that lets you buy things now and pay for them later. To get credit, you must be able to prove that you can pay back the amount you want to borrow.

Credit report
Credit report

A credit report helps to determine an individual's credit worthiness

How to open an account
Building a good credit record

Having a good credit record makes it more likely that a company will lend you money. It will also help you to get credit again in future (as long as you can afford it!)

Credit report
How to fix a bad credit record

It is possible to have your application for a transaction account rejected if your credit record is in bad shape.

Pros and cons of debt counselling
Pros and cons of debt counselling

Sometimes people borrow more money than they can afford to pay back and then they find themselves in serious financial trouble.