Pick n Pay Credit: Everything you need to know

Since the launch of Pick n Pay credit, it has provided customers with low interest rates and low fees. According to the management of the platform, the store accounts have been designed to take away hidden fees. This also offers consumers the lowest possible monthly fee.

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HOW MUCH WILL THE INTEREST BE ON PICK N PAY CREDIT?

As a customer, you have up to 55 days of interest-free credit and this is so if you pay the outstanding balance in full and on time every month. Additionally, you can have up to R200 off your first purchase of items worth R500 or more.

HOW MUCH CREDIT CAN I GET AND HOW DO I APPLY?

Maybe you might be thinking about the amount of credit you will be granted. Well, this is based on circumstances, however, the credit limits range from R1 000 to R40 000.

If you want to apply, you can simply send an SMS with the message, “PnP” to 30087, and also you can physically apply in-store by leaving your details at the counter.

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WHAT ARE THE FEES FOR PICK N PAY CREDIT?

For transactions and coining fees, you pay nothing, however, you have to settle a monthly service fee of R10. To get Smart Shopper points, you’ll get bonus points when you pay your installment. 

HOW DO YOU JOIN?

Joining is very simple as you can join through your existing Smart Shopper card. However, you will need a PIN to make use of the credit, and there are also up to three secondary cards which can be used by your family and friends.

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