Lesson 2.1: Using credit for the first time

If you’re just starting out, you might not have used credit before or even thought you needed it. But here’s the thing: building a solid credit history is a must if you ever want to borrow money.

Most South Africans can’t just swipe cash for big-ticket stuff like a car or a house. They use credit to make those dreams happen. And when the time comes, a strong credit history can be the difference between “approved” and “sorry, not this time.”