redsquare.co.za Apply For Credit : Red Square
Name of the Organization : Red Square
Type of Facility : Apply For Credit
Website : https://www.edgars.co.za/beauty
Red Square Apply For Credit
** Please select your country and click Continue to start your account application.
** Once you submit your application, we will contact you within 48 hours.
Terms and Conditions :
1. Grant of a credit facility :
1.1 Your application for a credit facility is subject to our credit assessment, approval criteria and conditions being satisfied.We have the discretion based on these criteria to decline or approve your application or we may offer you a different plan from the plan you selected on your application. We reserve the right to grant or refuse to grant you credit from time to time.
1.2. You agree to accept the credit facility we offer in the quotation. The quotation forms part of this agreement once we have accepted your application and you have signed and accepted the quotation.
1.3 We agree to grant the credit facility to you on the terms and conditions of this agreement.
1.4 We also agree to issue your card to you, which you can use on the terms and conditions of this agreement.
2. Cost of credit and payment plan :
2.1. The quotation sets out the total cost of the credit facility and it is important for you to note that :
2.1.1. the credit limit reflected in the quotation is the maximum amount made available to you under this revolving credit facility at this time;
2.1.2. each instalment reflects the minimum amount of each instalment required in terms of our agreement with you, on the assumption that you use the total credit limit on the first (1st) day of this agreement;
2.1.3. the total of all instalments is calculated based on the assumption that you will have repaid this credit facility within the period indicated in the quotation.
2.2. We will give or send you a card that will be used for purchases utilising your agreed credit limit and within your agreed payment plan.
2.3. You may use your card to make purchases of goods and services on the various payment plans available and applicable to such purchases subject to the terms and conditions of this agreement.
3. Contact details
3.1 Please take note of the following contact details :
3.1.1 Contact centre : Edgars 0860 112 442/Jet 0860 113 639;
3.1.2 Reporting of a lost/stolen card : Edgars 0860 112 442/Jet 0860 113 639;
3.1.3 National Credit Regulator : 0860 627 627 or 0860 NCR NCR;
3.1.4 National Consumer Tribunal : 012 394 1450;
3.1.5. Banking Ombudsman 0860 800 900 (only if we are a bank); and
3.1.6 Credit bureau(s) : ITC Transunion 0861 482 482; XDS 011 645 9100 and Experian 0861 10 56 65.
4. How to interpret this agreement :
4.1 In this agreement, the words on the left have the meanings set out on the right unless the context clearly shows that the parties intended a different meaning :
4.1.1 Agreement means this document, including the application, pre-agreement statement and quotation, and all written notices we send to you in accordance with the NCA from time to time.
4.1.2 Application means your application for the card and credit facility which preceded this agreement.
4.1.3 Business day means any day which is not a Saturday, Sunday or South African public holiday.
4.1.4 Card means the card and secondary card(s) that we issue to you and secondary cardholder(s) (as the case may be) on the terms and conditions of this agreement.
4.1.5 Card account means the account opened in your name in our books and linked to your card and to cards issued to secondary cardholders.
4.1.6 Chargeback means a transaction that is reversed because you have successfully disputed the transaction.
4.1.7 Credit facility means the revolving credit facility we offer to you on the terms and conditions of this agreement.
4.1.8 Credit limit means the maximum amount made available to you in terms of this credit facility (being the credit limit specified in the quotation) or any changes to this limit from time to time.
4.1.9 Credit Provider means the entity reflected as such on your Pre-agreement statement and quote
4.1.10 Deferred amount at any time means the amount we calculate in terms of clause 9 at that time.
4.1.10 Initiation fee means the fee we may charge you when you sign this agreement to cover our costs at the start of this agreement if not paid upfront.
4.1.11 NCA means the National Credit Act 34 of 2005 and its regulations, as amended or replaced from time to time.
4.1.12 Principal debt means the amount of the principal debt referred to in the quotation.
4.1.13 Quotation means the pre-agreement statement and quotation which is attached to this agreement.
4.1.14 Reference rate means the repurchase rate charged by the SA Reserve Bank, from time to time.
4.1.15 Secondary cardholder means any person to whom we issue a secondary card in accordance with your instructions contained in the application.
5. Principal debt :
5.1 You understand that :
5.1.1 every purchase of goods and services you have authorised on your card account will form part of the principal debt on which we will charge you interest; and
5.1.2 you must pay all amounts debited to the card account in terms of this agreement together with interest thereon to us in the manner set out in this agreement.
6. Validity of your card :
6.1 You must sign your card using a ballpoint pen on the signature panel (being the space provided for signature on the reverse side of the card) as soon as you receive your card.
6.2 Only you can use your card. You cannot transfer your card to any other person or allow/authorise any other person to use your card.
7. Use of your card :
7.1 When you use your card to purchase goods and services, you must sign a sales voucher.
7.2 We may debit your card account with all transactions presented to us unless it can be proved that you did not authorise the supplier to process the card transaction concerned.