Applications may be declined due to:

1. Minimum requirements not met (18–65 years old, income ≥ R5000/month)

2. Low credit score (missed payments, too much debt, no credit history)

3. No active store accounts (e.g., Mr Price, TFG)

4. Late payments on existing accounts

5. Blacklisted status

Tips to improve approval:

• Pay accounts on time

• Reduce debt

• Build a healthy credit profile

• Open/manage a small store account responsibly