Splendi

02/06/2026

Shopping around for better credit offers matters.

Watch the full Splendi Podcast episode of Know What's on Your Credit Profile on our YouTube Channel for more: https://youtu.be/v-XMtUMiug8

31/05/2026

Missing one payment might seem small until it starts affecting your credit score.

Find more tips on how to avoid hurting your credit score in our recent podcast episode, available here: https://youtu.be/v-XMtUMiug8

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29/05/2026

Does debt counselling end once you finish paying off one account?

A consumer stays under debt counselling until a clearance certificate is issued. That happens only when the required debts are settled and, where applicable, the home loan is up to date under the arrangement.

27/05/2026

Fact or Fiction? Debt counselling stops interest immediately.

NCR guidance says interest does not stop simply because a consumer is placed under debt counselling. The debt is restructured, but the accounts still continue under the legal process.

25/05/2026

Is debt counselling only applicable to people who have a job?

NCR guidance says a consumer must have an income to apply for debt counselling because the process is about restructuring repayments from existing income.

25/05/2026

Do you know what's on your credit profile?

We are kicking off the very first Splendi Podcast episode with a real conversation around credit, financial habits and the things many South Africans overlook when it comes to managing their finances.

If you’ve ever wondered how credit really works or why your profile matters, this is one you’ll want to watch.

Dive into it: https://youtu.be/v-XMtUMiug8

In this episode, we dive into the world of credit and talk about:•...

25/05/2026

Fact or Fiction? Being under debt counselling means you are 'blacklisted'.

Fiction. Being under debt counselling does not mean you are blacklisted. The indicator on your credit profile simply shows that you have entered the debt counselling process to help manage your debt responsibly.

21/05/2026

Fact or Fiction? A consumer under debt counselling can still get new credit.

Fiction. According to NCR guidelines, consumers under debt counselling cannot take on new credit until the debt counselling process is completed. Credit bureaus also display a debt counselling indicator on the consumer’s credit profile during this period.

19/05/2026

Fact or Fiction? Debt review and debt counselling are two different things.

Fiction. In South Africa, debt counselling and debt review refer to the same process. Both terms describe the legal debt-relief process designed to help over-indebted consumers manage and repay their debt.

17/05/2026

Opening several new accounts in a short amount of time can hurt your credit score.

Too many credit applications in a short period can be seen as a higher risk to lenders. According to South African credit bureau guidance, multiple new accounts or credit enquiries within a short timeframe may negatively affect your credit score.