Understanding Your Rights: Section 60

Section 60 of the National Credit Act is a cornerstone of consumer rights in South Africa. It explicitly states that every adult has the right to apply for credit. While it doesn't guarantee that credit will be granted (as affordability checks are mandatory), it ensures that the *opportunity* to apply is open to all.

Crucially, the section prohibits discrimination on the grounds of race, religion, pregnancy, marital status, or gender. If a consumer feels their application was rejected based on discriminatory reasons rather than financial affordability, they have the right to lodge a complaint with the National Credit Regulator.

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**Related:** - Read the full National Credit Act - Check your credit score - Find a debt counsellor - Frequently asked questions