This book empowers consumers to get optimal value from credit. Using consumer rights as vantage point, it guides consumers though the life cycle of credit and shows the context in which the National Credit Act operates. It deals in a practical way with applications, types of credit agreements, credit bureau information, marketing of credit, credit cards, mortgages, asset finance and debt collection, clearly setting out recourse and tips. It also discusses concepts and procedures introduced by the National Credit Act, such as debt counselling, over-indebtedness and complaints procedures. This book is a must for anyone wanting to manage their credit optimally.