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Struggling With Debt in SA? Here’s Your 2025 Guide to Debt Review

Drowning in debt? You’re not alone. Here’s how debt review in South Africa works, who qualifies, what it costs, and how it can help you breathe again — updated for 2025.You’re Not Failing — You’re Taking Back ControlDebt can feel overwhelming — like a never-ending cycle of stress and bills. But there’s a legal way out, and it’s helped millions of South Africans take back control of their finances. It’s called debt review, and if your debt is keeping you up at night, this might be the lifeline you need.Let’s break down exactly how it works, who qualifies, what it costs, and what life looks like after debt review.So… What Is Debt Review?Debt review (also known as debt counselling) is a legal debt rescue plan introduced by the National Credit Act. It helps people who are over-indebted — meaning you’re earning money but still can’t afford to cover your monthly debt payments and basic living costs.With the help of a registered debt counsellor, your debts get restructured into one simplified monthly payment — at reduced interest rates — and you get full legal protection from creditors while you pay things off at your own pace.The Big Wins:✅ No more creditor calls or court threats✅ One lower monthly payment — not five or ten✅ Reduced interest rates✅ Court-approved, legally binding repayment plan✅ No new debt allowed while you’re in the process (for your own good)Who Can Apply?If you're working and overwhelmed by your monthly debt obligations, debt review might be for you.You’ll need:A steady income (salary, pension, or business income)To live in South AfricaTo be over-indebted (your income doesn’t cover all your debts + essentials)Heads up:Married in community of property? Your spouse must apply with you.Blacklisted? No worries — you can still qualify.Self-employed? You’ll need to show consistent income for a few months.How It Works — Step-by-Step1. Chat to a Registered Debt CounsellorOnly work with someone officially registered with the National Credit Regulator (NCR). You can double-check them on the NCR website. Avoid dodgy operators!2. Get AssessedYour counsellor will check your income, debts, and expenses. If you qualify:They’ll file your application (Form 16)Let your creditors and credit bureaus knowPause any legal action while your application is being processed3. Get a Custom Payment PlanYour counsellor will:Negotiate lower interest rates with your creditorsRestructure payment terms so your monthly instalment fits your budgetCombine your debts into one monthly paymentEnsure you’ve still got money left for groceries, rent, and transport4. Legal ApprovalYour new plan is submitted to court. Once approved, all creditors must follow it. You’re now protected — and on track to becoming debt-free.5. Pay One Amount Each MonthYour monthly payment goes to a Payment Distribution Agency (PDA). They split it between your creditors, as per the plan.How long does this take?Setup: 1–3 monthsRepayment period: Usually 2–5 yearsTotal journey: Most people finish within 24–60 monthsThe BenefitsFull Legal ProtectionNo more:Garnishee ordersRepossession threatsCalls from angry creditorsCourt judgments related to debtLower Monthly PaymentsYour monthly debt bill could drop by 30–50% thanks to:Reduced interest rates (from 20% down to 5–10%)Longer repayment termsWaived creditor feesBetter Cash Flow = Less StressMore room in your budget = more peace of mind.You’ll sleep better, breathe easier, and have cash for basics again.Avoid BankruptcyDebt review is often a much better alternative to sequestration. No permanent blacklisting. No asset loss (as long as you stick to the plan).Professional SupportYou’re not doing this alone. Your debt counsellor will:Negotiate with creditorsHelp you stick to your budgetTrack your progressOffer support whenever you need itThings to Keep in MindYou Can’t Take on New CreditWhile under review, you can’t open new accounts or take loans. This is part of your protection, not a punishment.There Are FeesDebt review isn’t free, but the fees are regulated and built into your repayment plan:One-time application & restructuring feesMonthly service feesLegal fees for the court orderA good counsellor will explain all of this upfront — no nasty surprises.Your Credit Record Will Show ItWhile under review:A flag appears on your credit reportYou may struggle to get rentals or credit-based servicesBUT: This gets removed after you complete the plan and get your clearance certificate 🎉Avoiding PitfallsSadly, over 1.3 million South Africans are stuck in debt review limbo — flagged but not actively repaying. Here’s how to avoid that:✅ Choose a legit, responsive counsellor✅ Stick to your repayment plan✅ Talk to your counsellor if your income changes✅ Don’t miss payments — they’re your lifeline✅ Use bonuses or windfalls to pay extra when you canAfter Debt Review: What Comes Next?You Get a Clearance CertificateOnce you’ve paid off everything in your plan, your counsellor gives you a Form 19 Clearance Certificate. This:Clears the debt review flagWipes negative listings from your credit recordTells credit bureaus you’ve completed the processRebuild Your Credit (Slowly & Smartly)Wait 2–3 months before applying for new creditStart with a small accountPay on time — in fullMonitor your score regularlyKeep spending under controlStay Debt-FreeNow that you’re free:Keep budgeting like a proBuild an emergency fundOnly use credit if you need itInvest in your financial wellnessFAQsCan I exit early?Only if you settle all your debt or get a court order — not easy, not cheap.Can I apply if I’ve lost my job?No income = no debt review. But if you lose your job during the process, your counsellor can pause or adjust your plan temporarily.Can I buy a car or home during debt review?Nope. But once you’re done and cleared, yes!Does it cover all my debts?Mostly unsecured debts (credit cards, loans). Your mortgage and car finance might stay separate but are factored into your budget.Is Debt Review Right for You?Yes, if:You’ve got a steady incomeYou’re behind on paymentsYou’re over-indebtedYou want a structured, legal path to recoveryMaybe not, if:You have no incomeYour debts are small and manageableYou’ve already failed debt review once beforeLet’s Wrap This UpDebt review isn’t a failure — it’s a smart move. It means you’re facing your finances head-on and choosing recovery over avoidance.Thousands of South Africans have already walked this path — and come out stronger on the other side. You can too.Take the first step today. Find a registered debt counsellor on the National Credit Regulator’s website and start building a future that’s debt-free — and stress-free.

Can You Get a Phone Contract with Bad Credit?

Been turned down for a phone contract because of your credit? You’re not alone. Around 80% of South Africans have hit that same wall. Networks have gotten stricter — and if your credit’s taken a few knocks or you’ve been blacklisted, getting a contract can feel impossible.But here’s the good news: you can still get a contract, even with bad credit. You might just need to start small, be smart, and build your way up.Why Networks Say NoGetting a phone contract is a bit like applying for a loan. When you go for a R10,000 device on a 24-month deal, the network’s taking a risk — and they want to make sure you’re good for it.What They Check:Any missed payments or defaultsJudgments or collections under your nameYour overall credit scoreWhether you’re already deep in debtEven if you’ve never had debt before, that can work against you too. No credit history = no proof that you can handle monthly payments. It’s a frustrating Catch-22: you need credit to build credit, but you need credit history to get started.Your Income Matters TooEven with a decent score, you can still be declined if your income doesn’t match the deal you’re going for. Networks want to know that you can comfortably afford the monthly payments and your other bills.For example: If you earn R4,000/month and apply for a R500 contract, that’s more than 10% of your income — a red flag for many providers.When You’ll Automatically Be DeclinedSome things are deal-breakers, no matter what:Debt Review: If you’re under debt counselling, the law says no new credit allowed.Judgments: A court judgment against your name is a straight-up no.Sequestration / Administration: Legal insolvency = not eligible.So, What Can You Do?Here’s how to turn a “no” into a “yes” — even with a not-so-great credit score:Start SmallIf you can’t get a top-end phone right now, don’t stress. Try applying for:A SIM-only contract (no phone, just data & minutes)A deal with a more affordable deviceSIM-only is a great stepping stone. The risk to the network is lower, so your chances of getting approved are higher.Pro tip: Use a smaller deal to prove you’re reliable — pay on time, every time — and you’ll open doors to bigger contracts later.Build Your Payment Track RecordGot a SIM-only or entry-level deal? Great! Now the goal is simple: pay like a pro.Every on-time payment gets reported to credit bureaus, helping you build (or rebuild) your score. After 6–12 months, you could qualify for an upgrade or a better phone.New for 2025: Smarter Scoring, More OpportunityMTN and TransUnion recently launched a game-changing feature: Telco Data Score. It looks at your mobile behaviour — like how often you recharge, call, and use data — instead of just your credit history.That means:No credit history? No problem.You might qualify based on how you use your phone.It’s early days, but it’s a step towards making contracts more accessible for everyone.5 Steps to Boost Your Approval Odds1. Check Your Credit ReportStart here. It’s free from TransUnion, Experian or ClearScore. Look for:Any mistakes you can fixOld debt you can settleOutdated info you can disputeSmall fixes can lead to big improvements!2. Don’t Apply Everywhere at OnceGetting declined sucks, but don’t spam every network. Each application hits your score.Instead:Wait 3–6 months between triesGo for simpler plans first (SIM-only, cheaper phones)Understand why you were declined before trying again3. Build Credit ElsewherePhone contracts aren’t the only way to build trust:Open a small clothing or furniture store accountTry a secured credit card (with a deposit)Make sure your utilities are in your name and paid on time4. Prove You’re Financially StableBefore applying:Stick with your job (avoid job-hopping)Have your payslips, ID and proof of address readyAvoid applying while under debt reviewPreparation shows responsibility — and that counts.5. Go Prepaid While You PrepCan’t get a contract yet? That’s okay.Use prepaid while you build creditSet aside the amount you’d spend on a contract each monthSave for a deposit to increase your approval odds laterSome providers even let you convert to a contract from prepaid without a new credit check.Talk It OutWith Creditors: If you're struggling with payments, talk to them before they report you. You might be able to set up a payment plan that protects your credit.With Networks: Be honest in your application. Explain your situation. Some providers are willing to help if they see you're serious about improving.How Long Does It Take?TimeframeWhat You Can Do0–6 monthsFix report errors, start a SIM-only deal, pay on time6–18 monthsBuild strong payment history, apply for basic phones18+ monthsAim for top-tier contracts, better terms, latest phonesMistakes to AvoidWant to get approved? Don’t do these:Apply while under debt review (it won’t work)Skip documents or send blurry photosIgnore old debtsJob-hop right before applyingApply to 5 networks in 1 day (your score will take a hit)The Final WordGetting a contract with bad credit isn’t easy — but it’s totally doable. You just need a plan:✅ Check your credit✅ Start small✅ Pay perfectly✅ Upgrade when ready✅ Be patient and consistentYour credit situation doesn’t define you. And every smart move you make brings you closer to that shiny new smartphone deal.

Premium Phone Face-off: Which One Are You Choosing?

Comparing premium phones in South Africa? See how the HONOR 400 Pro, Galaxy S25 Ultra and Huawei P70 Pro stack up on design, camera and performance.Best or Budget? Get Both! When the time comes to upgrade, our heads say “choose something affordable” but our hearts still want the best features and tech.To help you get what you really want, we’ve selected the three top flagship phones out right now – the HONOR 400 Pro, the Samsung Galaxy S25 Ultra and the Huawei P70 Pro – to give you the best of both worlds.All three of these stars have super-quick processors, stunning displays, powerhouse cameras and battery life that lasts all day – with price tags that will surprise you.We’ve put them head-to-head to help you decide between the HONOR 400 Pro, Samsung Galaxy S25 Ultra and Huawei P70 Pro.Design and BuildHONOR 400 ProThe HONOR 400 Pro combines premium looks with a lightweight design that feels as good as it looks.  This device is available in two classic colours – Lunar Grey and Midnight Black.  The 6.7 inch AMOLED display offers an ultra-vivid viewing experience, whether you're scrolling, streaming or snapping photos. Rated IP68 and IP69 for water resistance, it’s built to handle rainy days and accidental splashes without stress.With 5 000 nits of HDR peak brightness and a smooth 120Hz refresh rate, everything from video playback to app transitions feels clear and responsive, even in bright outdoor conditions.Samsung Galaxy S25 UltraWith the Samsung Galaxy S25 Ultra, you have a range of colours to choose from. If Titanium Black isn’t your vibe, you’ll still have Titanium Silver-blue, Titanium Grey and Titanium White-silver.The Samsung Galaxy S25 Ultra is built for power and precision. It comes with a built-in S Pen for effortless note-taking, sketching and even editing on the go.A tough titanium frame and Corning Gorilla Armor 2 glass offer serious durability, while its IP68 rating means it can handle spills, dust and daily drops.The 6.9 inch Dynamic AMOLED 2X display with a 120Hz refresh rate delivers crisp, fluid visuals that are perfect for streaming, scrolling or diving into your favourite games.Huawei P70 ProIf you’re looking for more vibrant colours, the Huawei P70 Pro has got your back. It comes in  Pink, White and the standard Black.This device combines style with durability, featuring a 6.6 inch LTPO OLED display with a 1–120Hz adaptive refresh rate for ultra-smooth, battery-friendly performance.Its IP68 rating offers reliable protection from water, dust and splashes, while Super Durable Kunlun Glass adds extra toughness, making it a dependable companion wherever you go.Performance and SoftwareHONOR 400 ProThe HONOR 400 Pro is powered by the Snapdragon 8 Gen 3 chip, delivering smooth gaming and responsive everyday performance. Running MagicOS 9, based on Android 15, it offers a clean, user-friendly interface packed with powerful AI features.From real-time translation and smart photo editing to AI-generated videos and seamless multitasking, MagicOS helps you get more done faster and smarter.Samsung Galaxy S25 UltraThe Samsung Galaxy S25 Ultra runs on One UI 7, offering a smooth, intuitive experience designed to help you get more done with less effort. From customisable widgets and enhanced multitasking tools to improved privacy controls, One UI 7 makes navigating your phone effortless. Coupled with the powerhouse hardware, it ensures apps open quickly, animations stay buttery smooth and battery life is optimised, keeping you powered and productive all day.Huawei P70 ProThe Huawei P70 Pro is powered by the Kirin 9000S1 octa-core processor, delivering smooth, reliable performance whether you’re multitasking, gaming or streaming. Running on EMUI 14.2, the user interface is intuitive and packed with smart features that make everyday use effortless and enjoyable.CameraHONOR 400 ProThe HONOR 400 Pro’s rear camera system is truly impressive, featuring a powerful 200MP ultra-clear AI main camera with optical image stabilisation that captures every detail clearly even in bad lighting. The main camera is backed up with an equally impressive 50MP telephoto lens, also stabilised. This lens is perfect for close-ups and portraits.To complete the trio, we have the 12MP ultra-wide camera that lets you fit more into every shot. Your beach holiday horizon shots or big group photos are easy to capture with this one.  On the front, a 50MP camera delivers stunning selfies and crisp video calls, with portrait mode, filters and AI beauty enhancements that ensure you always look your best – so selfie lovers take note!Samsung Galaxy S25 UltraThe Galaxy S25 Ultra’s rear camera setup is a thing of beauty. It combines four lenses to deliver stunning results. The main 200MP sensor captures extraordinary detail, while two 50MP lenses handle telephoto and your ultra-wide shots. Throw in the 10MP periscope lens which rounds off the package, with crisp zoom capabilities that let you capture amazing pictures from a distance.At the front, the 12MP camera delivers sharp, vibrant selfies and smooth video calls, enhanced by smart software that keeps you looking great in any lighting. Whether shooting landscapes, portraits or up-close action, the S25 Ultra’s camera system makes professional-quality photos and videos easy.Plus, the ProVisual Engine offers a powerful editing experience right on your phone, so if someone stepped into what was your perfect shot, you’ll still be able to salvage the picture without needing professional editors.Huawei P70 ProMuch like the others, the Huawei P70 Pro’s camera setup is all about helping you capture stunning photos, no matter the lighting or scene. The 50MP Ultra Lighting main camera adjusts aperture automatically, so anytime of day, you know your shots are going to come out bright and detailed. The 13MP ultra-wide lens lets you fit more into every frame, perfect for breath-taking photos. When you need to get closer, the 12MP telephoto camera with optical image stabilisation delivers sharp, clear zoom without blur.On the front, the 13MP wide-angle selfie camera makes sure every selfie gets your best side with crisp, vibrant pics and smooth video calls.With the Huawei P70 Pro, every photo and video you take is effortless, vibrant and ready to share.BatteryHONOR 400 ProThe HONOR 400 Pro’s massive 6 000mAh battery keeps you powered all day. Designed for longevity, it’s built to stay strong and healthy for up to four years, so you won’t be scrambling for a replacement anytime soon. When it’s time to recharge, the 100W HONOR SuperCharge powers your phone back up at lightning speed, getting you back in action with minimal downtime.Samsung Galaxy S25 UltraThe Samsung Galaxy S25 Ultra packs a reliable 5 000mAh battery that keeps you going through long days of streaming, gaming and multitasking. Designed to deliver consistent power, it keeps you connected without the need for a constant recharge.Huawei P70 ProThe Huawei P70 Pro meanwhile comes equipped with a 4 900mAh battery – the smallest of the three but it’s still easily able to support your daily usage. When it’s time to recharge, Huawei’s SuperCharge technology powers up the device quickly with up to 66W wired charging and up to 50W wireless charging for added convenience.Verdict With so many choices, the only struggle is picking just one new device.No matter which one you go with, you’re getting a powerful phone built to keep up with your lifestyle.FAQsWhich phone has the best camera for low-light photography?The HONOR 400 Pro stands out with its 200MP ultra-clear AI main camera and optical image stabilisation, delivering sharp, detailed shots even in low light. The Huawei P70 Pro’s Ultra Lighting main camera also adapts aperture automatically for bright, clear photos day or night.How long does the battery last on these flagship phones?The HONOR 400 Pro offers a massive 6 000mAh battery designed to last all day and stay healthy for up to four years. The Samsung Galaxy S25 Ultra has a reliable 5 000mAh battery that supports long hours of use, while the Huawei P70 Pro comes with a 4 900mAh battery optimised for daily hustle with fast wired and wireless charging.Which phone is best for productivity and multitasking?The Samsung Galaxy S25 Ultra shines here thanks to its built-in S Pen for note-taking and editing, combined with a durable titanium frame and One UI 7 software that boosts multitasking and privacy. The HONOR 400 Pro’s MagicOS 9 with AI features and the Huawei P70 Pro’s intuitive EMUI 14.2 also support smooth everyday use.Are these phones water and dust-resistant?Yes, all three phones have an IP68 rating, meaning they offer strong protection against water, dust and splashes- making them durable choices for everyday life.Which phone has the best display for streaming and gaming?The Galaxy S25 Ultra leads with its large 6.9-inch Dynamic AMOLED 2X display and a 120Hz refresh rate for crisp, fluid visuals. The HONOR 400 Pro’s 6.7-inch AMOLED and Huawei P70 Pro’s 6.6-inch LTPO OLED screens also deliver ultra-vivid, smooth viewing experiences, perfect for streaming, scrolling and gaming.References:https://www.honor.com/za/phones/honor-400-pro/ https://www.samsung.com/za/smartphones/galaxy-s25-ultra/ https://consumer.huawei.com/za/phones/pura70/ 

Struggling With Debt in SA? Here’s Your 2025 Guide to Debt Review

Drowning in debt? You’re not alone. Here’s how debt review in South Africa works, who qualifies, what it costs, and how it can help you breathe again — updated for 2025.You’re Not Failing — You’re Taking Back ControlDebt can feel overwhelming — like a never-ending cycle of stress and bills. But there’s a legal way out, and it’s helped millions of South Africans take back control of their finances. It’s called debt review, and if your debt is keeping you up at night, this might be the lifeline you need.Let’s break down exactly how it works, who qualifies, what it costs, and what life looks like after debt review.So… What Is Debt Review?Debt review (also known as debt counselling) is a legal debt rescue plan introduced by the National Credit Act. It helps people who are over-indebted — meaning you’re earning money but still can’t afford to cover your monthly debt payments and basic living costs.With the help of a registered debt counsellor, your debts get restructured into one simplified monthly payment — at reduced interest rates — and you get full legal protection from creditors while you pay things off at your own pace.The Big Wins:✅ No more creditor calls or court threats✅ One lower monthly payment — not five or ten✅ Reduced interest rates✅ Court-approved, legally binding repayment plan✅ No new debt allowed while you’re in the process (for your own good)Who Can Apply?If you're working and overwhelmed by your monthly debt obligations, debt review might be for you.You’ll need:A steady income (salary, pension, or business income)To live in South AfricaTo be over-indebted (your income doesn’t cover all your debts + essentials)Heads up:Married in community of property? Your spouse must apply with you.Blacklisted? No worries — you can still qualify.Self-employed? You’ll need to show consistent income for a few months.How It Works — Step-by-Step1. Chat to a Registered Debt CounsellorOnly work with someone officially registered with the National Credit Regulator (NCR). You can double-check them on the NCR website. Avoid dodgy operators!2. Get AssessedYour counsellor will check your income, debts, and expenses. If you qualify:They’ll file your application (Form 16)Let your creditors and credit bureaus knowPause any legal action while your application is being processed3. Get a Custom Payment PlanYour counsellor will:Negotiate lower interest rates with your creditorsRestructure payment terms so your monthly instalment fits your budgetCombine your debts into one monthly paymentEnsure you’ve still got money left for groceries, rent, and transport4. Legal ApprovalYour new plan is submitted to court. Once approved, all creditors must follow it. You’re now protected — and on track to becoming debt-free.5. Pay One Amount Each MonthYour monthly payment goes to a Payment Distribution Agency (PDA). They split it between your creditors, as per the plan.How long does this take?Setup: 1–3 monthsRepayment period: Usually 2–5 yearsTotal journey: Most people finish within 24–60 monthsThe BenefitsFull Legal ProtectionNo more:Garnishee ordersRepossession threatsCalls from angry creditorsCourt judgments related to debtLower Monthly PaymentsYour monthly debt bill could drop by 30–50% thanks to:Reduced interest rates (from 20% down to 5–10%)Longer repayment termsWaived creditor feesBetter Cash Flow = Less StressMore room in your budget = more peace of mind.You’ll sleep better, breathe easier, and have cash for basics again.Avoid BankruptcyDebt review is often a much better alternative to sequestration. No permanent blacklisting. No asset loss (as long as you stick to the plan).Professional SupportYou’re not doing this alone. Your debt counsellor will:Negotiate with creditorsHelp you stick to your budgetTrack your progressOffer support whenever you need itThings to Keep in MindYou Can’t Take on New CreditWhile under review, you can’t open new accounts or take loans. This is part of your protection, not a punishment.There Are FeesDebt review isn’t free, but the fees are regulated and built into your repayment plan:One-time application & restructuring feesMonthly service feesLegal fees for the court orderA good counsellor will explain all of this upfront — no nasty surprises.Your Credit Record Will Show ItWhile under review:A flag appears on your credit reportYou may struggle to get rentals or credit-based servicesBUT: This gets removed after you complete the plan and get your clearance certificate 🎉Avoiding PitfallsSadly, over 1.3 million South Africans are stuck in debt review limbo — flagged but not actively repaying. Here’s how to avoid that:✅ Choose a legit, responsive counsellor✅ Stick to your repayment plan✅ Talk to your counsellor if your income changes✅ Don’t miss payments — they’re your lifeline✅ Use bonuses or windfalls to pay extra when you canAfter Debt Review: What Comes Next?You Get a Clearance CertificateOnce you’ve paid off everything in your plan, your counsellor gives you a Form 19 Clearance Certificate. This:Clears the debt review flagWipes negative listings from your credit recordTells credit bureaus you’ve completed the processRebuild Your Credit (Slowly & Smartly)Wait 2–3 months before applying for new creditStart with a small accountPay on time — in fullMonitor your score regularlyKeep spending under controlStay Debt-FreeNow that you’re free:Keep budgeting like a proBuild an emergency fundOnly use credit if you need itInvest in your financial wellnessFAQsCan I exit early?Only if you settle all your debt or get a court order — not easy, not cheap.Can I apply if I’ve lost my job?No income = no debt review. But if you lose your job during the process, your counsellor can pause or adjust your plan temporarily.Can I buy a car or home during debt review?Nope. But once you’re done and cleared, yes!Does it cover all my debts?Mostly unsecured debts (credit cards, loans). Your mortgage and car finance might stay separate but are factored into your budget.Is Debt Review Right for You?Yes, if:You’ve got a steady incomeYou’re behind on paymentsYou’re over-indebtedYou want a structured, legal path to recoveryMaybe not, if:You have no incomeYour debts are small and manageableYou’ve already failed debt review once beforeLet’s Wrap This UpDebt review isn’t a failure — it’s a smart move. It means you’re facing your finances head-on and choosing recovery over avoidance.Thousands of South Africans have already walked this path — and come out stronger on the other side. You can too.Take the first step today. Find a registered debt counsellor on the National Credit Regulator’s website and start building a future that’s debt-free — and stress-free.

Can You Get a Phone Contract with Bad Credit?

Been turned down for a phone contract because of your credit? You’re not alone. Around 80% of South Africans have hit that same wall. Networks have gotten stricter — and if your credit’s taken a few knocks or you’ve been blacklisted, getting a contract can feel impossible.But here’s the good news: you can still get a contract, even with bad credit. You might just need to start small, be smart, and build your way up.Why Networks Say NoGetting a phone contract is a bit like applying for a loan. When you go for a R10,000 device on a 24-month deal, the network’s taking a risk — and they want to make sure you’re good for it.What They Check:Any missed payments or defaultsJudgments or collections under your nameYour overall credit scoreWhether you’re already deep in debtEven if you’ve never had debt before, that can work against you too. No credit history = no proof that you can handle monthly payments. It’s a frustrating Catch-22: you need credit to build credit, but you need credit history to get started.Your Income Matters TooEven with a decent score, you can still be declined if your income doesn’t match the deal you’re going for. Networks want to know that you can comfortably afford the monthly payments and your other bills.For example: If you earn R4,000/month and apply for a R500 contract, that’s more than 10% of your income — a red flag for many providers.When You’ll Automatically Be DeclinedSome things are deal-breakers, no matter what:Debt Review: If you’re under debt counselling, the law says no new credit allowed.Judgments: A court judgment against your name is a straight-up no.Sequestration / Administration: Legal insolvency = not eligible.So, What Can You Do?Here’s how to turn a “no” into a “yes” — even with a not-so-great credit score:Start SmallIf you can’t get a top-end phone right now, don’t stress. Try applying for:A SIM-only contract (no phone, just data & minutes)A deal with a more affordable deviceSIM-only is a great stepping stone. The risk to the network is lower, so your chances of getting approved are higher.Pro tip: Use a smaller deal to prove you’re reliable — pay on time, every time — and you’ll open doors to bigger contracts later.Build Your Payment Track RecordGot a SIM-only or entry-level deal? Great! Now the goal is simple: pay like a pro.Every on-time payment gets reported to credit bureaus, helping you build (or rebuild) your score. After 6–12 months, you could qualify for an upgrade or a better phone.New for 2025: Smarter Scoring, More OpportunityMTN and TransUnion recently launched a game-changing feature: Telco Data Score. It looks at your mobile behaviour — like how often you recharge, call, and use data — instead of just your credit history.That means:No credit history? No problem.You might qualify based on how you use your phone.It’s early days, but it’s a step towards making contracts more accessible for everyone.5 Steps to Boost Your Approval Odds1. Check Your Credit ReportStart here. It’s free from TransUnion, Experian or ClearScore. Look for:Any mistakes you can fixOld debt you can settleOutdated info you can disputeSmall fixes can lead to big improvements!2. Don’t Apply Everywhere at OnceGetting declined sucks, but don’t spam every network. Each application hits your score.Instead:Wait 3–6 months between triesGo for simpler plans first (SIM-only, cheaper phones)Understand why you were declined before trying again3. Build Credit ElsewherePhone contracts aren’t the only way to build trust:Open a small clothing or furniture store accountTry a secured credit card (with a deposit)Make sure your utilities are in your name and paid on time4. Prove You’re Financially StableBefore applying:Stick with your job (avoid job-hopping)Have your payslips, ID and proof of address readyAvoid applying while under debt reviewPreparation shows responsibility — and that counts.5. Go Prepaid While You PrepCan’t get a contract yet? That’s okay.Use prepaid while you build creditSet aside the amount you’d spend on a contract each monthSave for a deposit to increase your approval odds laterSome providers even let you convert to a contract from prepaid without a new credit check.Talk It OutWith Creditors: If you're struggling with payments, talk to them before they report you. You might be able to set up a payment plan that protects your credit.With Networks: Be honest in your application. Explain your situation. Some providers are willing to help if they see you're serious about improving.How Long Does It Take?TimeframeWhat You Can Do0–6 monthsFix report errors, start a SIM-only deal, pay on time6–18 monthsBuild strong payment history, apply for basic phones18+ monthsAim for top-tier contracts, better terms, latest phonesMistakes to AvoidWant to get approved? Don’t do these:Apply while under debt review (it won’t work)Skip documents or send blurry photosIgnore old debtsJob-hop right before applyingApply to 5 networks in 1 day (your score will take a hit)The Final WordGetting a contract with bad credit isn’t easy — but it’s totally doable. You just need a plan:✅ Check your credit✅ Start small✅ Pay perfectly✅ Upgrade when ready✅ Be patient and consistentYour credit situation doesn’t define you. And every smart move you make brings you closer to that shiny new smartphone deal.

Premium Phone Face-off: Which One Are You Choosing?

Comparing premium phones in South Africa? See how the HONOR 400 Pro, Galaxy S25 Ultra and Huawei P70 Pro stack up on design, camera and performance.Best or Budget? Get Both! When the time comes to upgrade, our heads say “choose something affordable” but our hearts still want the best features and tech.To help you get what you really want, we’ve selected the three top flagship phones out right now – the HONOR 400 Pro, the Samsung Galaxy S25 Ultra and the Huawei P70 Pro – to give you the best of both worlds.All three of these stars have super-quick processors, stunning displays, powerhouse cameras and battery life that lasts all day – with price tags that will surprise you.We’ve put them head-to-head to help you decide between the HONOR 400 Pro, Samsung Galaxy S25 Ultra and Huawei P70 Pro.Design and BuildHONOR 400 ProThe HONOR 400 Pro combines premium looks with a lightweight design that feels as good as it looks.  This device is available in two classic colours – Lunar Grey and Midnight Black.  The 6.7 inch AMOLED display offers an ultra-vivid viewing experience, whether you're scrolling, streaming or snapping photos. Rated IP68 and IP69 for water resistance, it’s built to handle rainy days and accidental splashes without stress.With 5 000 nits of HDR peak brightness and a smooth 120Hz refresh rate, everything from video playback to app transitions feels clear and responsive, even in bright outdoor conditions.Samsung Galaxy S25 UltraWith the Samsung Galaxy S25 Ultra, you have a range of colours to choose from. If Titanium Black isn’t your vibe, you’ll still have Titanium Silver-blue, Titanium Grey and Titanium White-silver.The Samsung Galaxy S25 Ultra is built for power and precision. It comes with a built-in S Pen for effortless note-taking, sketching and even editing on the go.A tough titanium frame and Corning Gorilla Armor 2 glass offer serious durability, while its IP68 rating means it can handle spills, dust and daily drops.The 6.9 inch Dynamic AMOLED 2X display with a 120Hz refresh rate delivers crisp, fluid visuals that are perfect for streaming, scrolling or diving into your favourite games.Huawei P70 ProIf you’re looking for more vibrant colours, the Huawei P70 Pro has got your back. It comes in  Pink, White and the standard Black.This device combines style with durability, featuring a 6.6 inch LTPO OLED display with a 1–120Hz adaptive refresh rate for ultra-smooth, battery-friendly performance.Its IP68 rating offers reliable protection from water, dust and splashes, while Super Durable Kunlun Glass adds extra toughness, making it a dependable companion wherever you go.Performance and SoftwareHONOR 400 ProThe HONOR 400 Pro is powered by the Snapdragon 8 Gen 3 chip, delivering smooth gaming and responsive everyday performance. Running MagicOS 9, based on Android 15, it offers a clean, user-friendly interface packed with powerful AI features.From real-time translation and smart photo editing to AI-generated videos and seamless multitasking, MagicOS helps you get more done faster and smarter.Samsung Galaxy S25 UltraThe Samsung Galaxy S25 Ultra runs on One UI 7, offering a smooth, intuitive experience designed to help you get more done with less effort. From customisable widgets and enhanced multitasking tools to improved privacy controls, One UI 7 makes navigating your phone effortless. Coupled with the powerhouse hardware, it ensures apps open quickly, animations stay buttery smooth and battery life is optimised, keeping you powered and productive all day.Huawei P70 ProThe Huawei P70 Pro is powered by the Kirin 9000S1 octa-core processor, delivering smooth, reliable performance whether you’re multitasking, gaming or streaming. Running on EMUI 14.2, the user interface is intuitive and packed with smart features that make everyday use effortless and enjoyable.CameraHONOR 400 ProThe HONOR 400 Pro’s rear camera system is truly impressive, featuring a powerful 200MP ultra-clear AI main camera with optical image stabilisation that captures every detail clearly even in bad lighting. The main camera is backed up with an equally impressive 50MP telephoto lens, also stabilised. This lens is perfect for close-ups and portraits.To complete the trio, we have the 12MP ultra-wide camera that lets you fit more into every shot. Your beach holiday horizon shots or big group photos are easy to capture with this one.  On the front, a 50MP camera delivers stunning selfies and crisp video calls, with portrait mode, filters and AI beauty enhancements that ensure you always look your best – so selfie lovers take note!Samsung Galaxy S25 UltraThe Galaxy S25 Ultra’s rear camera setup is a thing of beauty. It combines four lenses to deliver stunning results. The main 200MP sensor captures extraordinary detail, while two 50MP lenses handle telephoto and your ultra-wide shots. Throw in the 10MP periscope lens which rounds off the package, with crisp zoom capabilities that let you capture amazing pictures from a distance.At the front, the 12MP camera delivers sharp, vibrant selfies and smooth video calls, enhanced by smart software that keeps you looking great in any lighting. Whether shooting landscapes, portraits or up-close action, the S25 Ultra’s camera system makes professional-quality photos and videos easy.Plus, the ProVisual Engine offers a powerful editing experience right on your phone, so if someone stepped into what was your perfect shot, you’ll still be able to salvage the picture without needing professional editors.Huawei P70 ProMuch like the others, the Huawei P70 Pro’s camera setup is all about helping you capture stunning photos, no matter the lighting or scene. The 50MP Ultra Lighting main camera adjusts aperture automatically, so anytime of day, you know your shots are going to come out bright and detailed. The 13MP ultra-wide lens lets you fit more into every frame, perfect for breath-taking photos. When you need to get closer, the 12MP telephoto camera with optical image stabilisation delivers sharp, clear zoom without blur.On the front, the 13MP wide-angle selfie camera makes sure every selfie gets your best side with crisp, vibrant pics and smooth video calls.With the Huawei P70 Pro, every photo and video you take is effortless, vibrant and ready to share.BatteryHONOR 400 ProThe HONOR 400 Pro’s massive 6 000mAh battery keeps you powered all day. Designed for longevity, it’s built to stay strong and healthy for up to four years, so you won’t be scrambling for a replacement anytime soon. When it’s time to recharge, the 100W HONOR SuperCharge powers your phone back up at lightning speed, getting you back in action with minimal downtime.Samsung Galaxy S25 UltraThe Samsung Galaxy S25 Ultra packs a reliable 5 000mAh battery that keeps you going through long days of streaming, gaming and multitasking. Designed to deliver consistent power, it keeps you connected without the need for a constant recharge.Huawei P70 ProThe Huawei P70 Pro meanwhile comes equipped with a 4 900mAh battery – the smallest of the three but it’s still easily able to support your daily usage. When it’s time to recharge, Huawei’s SuperCharge technology powers up the device quickly with up to 66W wired charging and up to 50W wireless charging for added convenience.Verdict With so many choices, the only struggle is picking just one new device.No matter which one you go with, you’re getting a powerful phone built to keep up with your lifestyle.FAQsWhich phone has the best camera for low-light photography?The HONOR 400 Pro stands out with its 200MP ultra-clear AI main camera and optical image stabilisation, delivering sharp, detailed shots even in low light. The Huawei P70 Pro’s Ultra Lighting main camera also adapts aperture automatically for bright, clear photos day or night.How long does the battery last on these flagship phones?The HONOR 400 Pro offers a massive 6 000mAh battery designed to last all day and stay healthy for up to four years. The Samsung Galaxy S25 Ultra has a reliable 5 000mAh battery that supports long hours of use, while the Huawei P70 Pro comes with a 4 900mAh battery optimised for daily hustle with fast wired and wireless charging.Which phone is best for productivity and multitasking?The Samsung Galaxy S25 Ultra shines here thanks to its built-in S Pen for note-taking and editing, combined with a durable titanium frame and One UI 7 software that boosts multitasking and privacy. The HONOR 400 Pro’s MagicOS 9 with AI features and the Huawei P70 Pro’s intuitive EMUI 14.2 also support smooth everyday use.Are these phones water and dust-resistant?Yes, all three phones have an IP68 rating, meaning they offer strong protection against water, dust and splashes- making them durable choices for everyday life.Which phone has the best display for streaming and gaming?The Galaxy S25 Ultra leads with its large 6.9-inch Dynamic AMOLED 2X display and a 120Hz refresh rate for crisp, fluid visuals. The HONOR 400 Pro’s 6.7-inch AMOLED and Huawei P70 Pro’s 6.6-inch LTPO OLED screens also deliver ultra-vivid, smooth viewing experiences, perfect for streaming, scrolling and gaming.References:https://www.honor.com/za/phones/honor-400-pro/ https://www.samsung.com/za/smartphones/galaxy-s25-ultra/ https://consumer.huawei.com/za/phones/pura70/ 

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Premium Phone Face-off: Which One Are You Choosing?