n SA Mercantile Law Journal = SA Tydskrif vir Handelsreg - The Credit Guide : Manage your Money with the National Credit Act, Nicky Campbell & Stephan Logan : book review

Volume 21, Issue 2
  • ISSN : 1015-0099
  • E-ISSN: 1996-2185



Credit plays a vital role in our daily lives. Unless we have large amounts of cash and other savings, it is almost unimaginable that we will not at some time need to make use of credit. Most of us will one day have to apply for vehicle finance, or a home loan, or personal loan. Not many people can afford to pay cash for things, especially expensive things like houses, motor vehicles, and furniture. Consumers buying goods on credit are an everyday occurrence. Even businesses use credit to buy their stock, and people use credit to pay for their consumables such as clothing, food, and even school fees. Many people have credit cards or loans. Today all these type of credit agreements are regulated by the National Credit Act 34 of 2005 ('the NCA').

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