What’s a credit score?
It’s a number that shows how well you pay your accounts.
Higher score = easier approvals and better offers.
1) Pay on time
This is the biggest thing.
Set reminders or debit orders so you don’t miss a payment—even by one day.
2) Owe less on your card/overdraft
If your card limit is R10 000 and you owe R9 000, your score drops.
Try to keep the balance well below the limit. Pay in extra when you can.
3) Don’t apply for lots of credit at once
Every time you apply, it leaves a mark for a while.
Only apply when you really need to.
4) Keep good old accounts open
An older account that you manage well helps your score.
Close it only if the fees are too high or it tempts you to overspend.
5) Fix problems early
If money is tight, phone the credit provider before you skip a payment.
Ask for a payment plan—better than going into arrears.
6) Check your report
Get your free credit report each year.
If you see mistakes, ask the bureau to correct them.
7) Keep your bank statement clean
Banks look at this.
Avoid unpaid debits, lots of cash withdrawals at month-end, and bouncing stop orders.
How long does it take?
If you pay on time and owe less, you can see small improvements in 1–6 months.
Keep going—consistency wins.
Want us to check where you stand?
We can do a friendly pre-check and tell you what documents you’ll need, no pressure.
Secure pre-approved bank finance, contact Bouwer Bekker +27 82 829 7564 | https://typecard.com/31597ad1
Auth. FSP34936
This is general info, not personal financial advice. Banks make the final decision.
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