{"id":100749,"date":"2025-11-03T15:03:31","date_gmt":"2025-11-03T13:03:31","guid":{"rendered":"https:\/\/www.bonuscard.co.za\/privaatheidsbeleid-2\/"},"modified":"2026-02-09T12:10:53","modified_gmt":"2026-02-09T10:10:53","slug":"privaatheidsbeleid-2","status":"publish","type":"page","link":"https:\/\/www.bonuscard.co.za\/af-za\/privaatheidsbeleid-2\/","title":{"rendered":"Privaatheidsbeleid 2"},"content":{"rendered":"<div class=\"et_d4_element et_pb_section et_pb_section_0  et_pb_css_mix_blend_mode et_section_regular et_block_section\" >\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_d4_element et_pb_row et_pb_row_0  et_pb_css_mix_blend_mode et_block_row\">\n\t\t\t\t<div class=\"et_d4_element et_pb_column_4_4 et_pb_column et_pb_column_0  et_pb_css_mix_blend_mode et-last-child et_block_column\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_d4_element et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><section class=\"elementor-section elementor-top-section elementor-element elementor-element-27d6ce0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27d6ce0\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-de6d30f\" data-id=\"de6d30f\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-539ae56 elementor-widget elementor-widget-heading\" data-id=\"539ae56\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n<div class=\"elementor-widget-container\">\n<h3 class=\"elementor-heading-title elementor-size-default\"><strong>Nasionale Kredietreguleerder<\/strong><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e2dbcb1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2dbcb1\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ee0675\" data-id=\"3ee0675\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-e3ee948 elementor-widget elementor-widget-text-editor\" data-id=\"e3ee948\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<div class=\"\">\n<h4><strong>Pretorium Trust is 'n geregistreerde kredietverskaffer ingevolge die Nasionale Kredietwet (NCRCP228) en onderskryf die kodes wat deur hierdie Wet vereis word.<\/strong><\/h4>\n<p class=\"\">Die gebruik van kredietfasiliteite vir verbruikersbesteding en die finansiering van motorvoertuie en luukse goedere is gerieflike en noodsaaklike instrumente vir baie verbruikers.<\/p>\n<p class=\"\">Indien kredietfasiliteite egter nie behoorlik bestuur word nie, kan 'n verbruiker in 'n skuldstrik beland met ernstige en nadelige langtermyngevolge.<\/p>\n<p class=\"\">\u2019n Verbruiker wat finansi\u00eble moeilikhede ondervind tot so \u2019n mate dat hy nie sy skuld kan diens nie, loop die risiko dat \u2019n vonnis teen hom toegestaan word en dat hy ook by \u2019n kredietburo swartlys word. Ingevolge die Nasionale Kredietwet mag ons, teen addisionele koste, die diens van \u2019n Skuldberader aanwend om sy skuld te herskeduleer. <\/p>\n<p class=\"\">Die nadeel vir 'n verbruiker is dat, totdat sy skuld vereffen is, hy toegang tot enige vorm van kredietooreenkoms geweier sal word.<\/p>\n<p class=\"\"><strong>Die volgende is 'n paar wenke wat verbruikers kan help wat aansoek wil doen vir krediet:<\/strong><\/p>\n<p class=\"\"><strong><\/strong><\/p>\n<ol class=\"\">\n<li class=\"\">Begroot maandeliks om u inkomste te vergelyk met uitgawes om te verseker dat die betalings ten opsigte van addisionele krediet aankope bekostigbaar is.<\/li>\n<li class=\"\">In die meeste gevalle is rente sowel as ander koste betaalbaar op kredietfasiliteite. Sulke rente kan teen 'n vaste of 'n wisselende koers gehef word. Wisselende rentekoerse was 'n groot oorsaak van finansi\u00eble moeilikhede vir baie verbruikers in die geval van uiterste renteverhogings. Dit is noodsaaklik dat 'n verbruiker vir sulke onvoorsiene situasies moet begroot, veral met betrekking tot huisverbande en motorvoertuigfinansiering.   <\/li>\n<li class=\"\">Begroot vir onvoorsiene uitgawes soos mediese rekeninge voordat u aansoek doen vir krediet. 'n Kredietfasiliteit is 'n handige instrument, maar moet ongelukkig streng in ooreenstemming met die kredietooreenkoms betaal word. <\/li>\n<li class=\"\">Die konsolidasie van skuld deur addisionele duur krediet te bekom, kan die situasie vererger aangesien nuwe skuld ook terugbetaal moet word. Dit sou raadsaam wees om eerder, vir eers, enige onnodige uitgawes te vermy. Om 'n mens se lewenstandaard te verlaag is 'n moeilike ding om te doen, maar is beslis die beste opsie vanuit 'n langtermyn oogpunt.  <\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-100749","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Privaatheidsbeleid 2 - BonusCard<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bonuscard.co.za\/af-za\/privaatheidsbeleid-2\/\" \/>\n<meta property=\"og:locale\" content=\"af_ZA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Privaatheidsbeleid 2 - 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