I quote a comment left by someone on a News24 article: If you think it is difficult to open a credit card account, try closing one! I have told ABSA & Standard Bank to close my respective cards with them.

People paying by credit card are willing to pay more than double the price for the same item than consumers paying by cash. However, if you know your credit card is a problem for you, rather use a debit card.

However, the more debt you have to repay, the more likely it is that you will: choose a work that makes you more money, but takes more of your time, choose a work that makes you more money, but takes more of your energy and leaves you drained, which means the time you get to spend with your family is not of the same quality, choose to work more overtime – time you could have spent with your kids, choose to take yet another business trip – because you really need that job – instead of telling your boss to go screw himself.