20 TOP RETAIL STORES
20 top retail stores & over 2500 outlets from which to shop.
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Automatic membership to our Rewards & More program with discounts & offers every time you swipe.
12 months or 6 months no interest* payment plans available.
Get covered with optional account balance protection and other exclusive insurance products.
FREE EXTRA CARDS
Free additional cards for immediate family members & no annual fees.
GOOD CREDIT RATING
Good credit rating at the bureaus if you manage your account well.
Apply for a temporary increase on your credit limit.
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HOW TO APPLY
• In any TFG store with your ID Book
• Online at TFG.co.za
WHO CAN APPLY
• Anyone over the age of 18
• Only RSA residents can apply online
• You have a good credit record
WHAT YOU NEED
• A valid ID or Passport
• Your contact details
• 3 months proof of income
How to Pay
Online with your Master or Visa cardSign up on TFG Online and you will be able to pay your account from anywhere on any device using your Master or Visa credit or cheque card
In any TFG storeIncluding @home, @homelivingspace, American Swiss, Charles and Keith, Colette, Donna, Duesouth, Exact!, Fabiani, The Fix, Foschini, G-star Raw, Hi, Markham, Mat & May, Next, Sodabloc, Sportscene, Sterns and Totalsports store.
An online or ATM transferSetup TFG as a payment recipient online or at your bank to transfer your payments to us directly.
TFG Bank Account Details
- Bank: First National Bank Corporate Branch
- Branch number: 204109
- Account number: 5579 000 8020
- Reference number: Your account number
Setup a debit orderComplete a Debit Order Instruction Form , and then fax or scan and email the form to our Customer Services Department for processing or take to your nearest store. For fax and email addresses click here
Terms and conditions for TFG’s store cards
1. Definitions used in this document
In this Agreement, unless the context indicates differently-
1.1 “Account” means the account opened in your name to which we will debit amounts payable by you in terms of this Agreement, which is linked to the Card;
1.2 “Agreement” means your Application, the pre-agreement statement and quotation (“Quotation”), Credit Agreement that you accept in store and these terms and conditions (“Terms”),and includes all notices that we send to you;
1.3 “Application” means your application for the Card and the Credit Facility, which can be done at any of our stores, telephonically, or online;
1.4 “Business Day” means any day except for a Saturday, Sunday or public holiday;
1.5 “Card” means the card and the secondary card(s) that we issue to you and the secondary account holder(s) (as the case may be);
1.6 “Credit Agreement” means the credit agreement which you agreed to, and signed in store when opening your Account;
1.7 “Credit Allocation” means the maximum amount of credit that we make available for you to access and cannot exceed the Credit Limit;
1.8 “Credit Facility” means the revolving credit facility that we offer to you, subject to the Terms;
1.9 “Credit Limit” means the maximum approved amount of credit in terms of your Credit Facility;
1.10 “Due Date” means the date on which a payment is due, as set out in the statement of account;
1.11 “Interest Bearing Plan” means interest bearing payment Plans of 6, 12, 18, 24 (six, twelve, eighteen, twenty four) months or longer
1.12 “FGRR” means The Foschini Group Reference rate, which is the rate of interest determined by TFG from time to time and is linked to the ruling South African Reserve Bank Repurchase Rate (the “repo” rate);
1.13 “NCA” means the National Credit Act, no 34 of 2005, and Regulations, as amended;
1.14 “Personal Information” means personal information as defined in the Protection of Personal Information Act 4 of 2013 (“POPI”);
1.15 “Process/Processing” has the same meaning assigned thereto in POPI;
1.16 “Suspensive Interest Plan” means a 1 (one) or 6 (six) month Interest Bearing Plan which may be interest free as per clause 9.5 below. Certain goods may not be purchased on this Plan;
1.17 “TFG” means Foschini Retail Group (Pty) Ltd, registration number 1988/007302/07, a registered credit provider, NCRCP 36, and an authorised financial services provider. Our address is Stanley Lewis Centre, 340 Voortrekker Road, Parow East, 7500. TFG includes any trading division of TFG, and where relevant, our subsidiary and holding companies, any subsidiary of any of our holding companies and any person to whom we transfer any of our rights and obligations under this agreement. TFG currently trades as: @home, @homelivingspace, American Swiss, Collette, Donna, Duesouth, Exact!, The Fix, Foschini, Markham, SportScene, Sterns, Totalsports, Charles and Keith, Fabiani, G-Star Raw, Next, Mat & May, hi, Soda Bloc and TFG Financial Services. New trading divisions may be added from time to time;
1.18 “We”, “us” and “our” means TFG;
1.19 “You” / “Your” means the person who has agreed to enter into this Agreement and whose details are recorded on the Credit Agreement;
1.20 A reference to legislation is a reference to the legislation as at the date of enactment of the legislation or as it is amended or re-enacted from time to time, and includes all Regulations issued under that legislation;
1.21 The headings of the various clauses in this Agreement have been inserted purely for the purposes of convenience and they will not be used to interpret the Agreement;
1.22 Any reference to a gender includes the other genders;
1.23 The singular includes the plural and vice versa.
2. Your application for credit with us
2.1 You have accepted the Credit Facility as set out in the Quotation and the Credit Agreement, which upon acceptance becomes part of the Agreement.
2.2 We hereby grant you the Credit Facility, subject to the Agreement.
2.3 We will issue you with a Card. The use of the Card is subject to these Terms.
2.4 We will debit all the amounts which you owe us under the Agreement, including charges and fees, to your Account, on these Terms.
3. Use of your Card and Account
3.1 You are the only person who can use your Card. You cannot transfer it to any other person or allow any other person to use it.
3.2 You may apply for secondary card(s) to be issued to a nominated person(s) and to link secondary card(s) to your Account. These terms will also apply to the use of the secondary card(s). You will be responsible for all transactions effected through the use of the secondary card(s) and all amounts will be debited to your Account.
3.3 You can use your Card to purchase goods and services from any TFG store. You must sign the sales voucher when you use your Card to confirm receipt of the goods and/or the services. You will not be allowed to purchase on your Account if you do not present your Card. Your purchases will be charged to your Account.
3.4 If your Card is lost or stolen, or you suspect fraud on your Account, you must call customer services (see clause 17 below for contact details), as soon as you discover the loss. If we issue a new Card to you, we will charge you a card replacement cost for the replacement Card.
3.5 Your Card will remain our property and we may cancel, suspend or demand the return of your Card at any time.
3.6 If your Account has been used fraudulently, you must lodge a claim with us within 30 (thirty) days of the date of your statement reflecting the fraudulent use, or sooner if you become aware of it before this. Failure to do so could result in you being held liable for the fraudulent purchases made on your Account. You will be required to provide us with certain documents to support your claim. These must be provided to us within 7 (seven) Business Days of lodging your claim, or the investigation may be closed, and you will be held liable for the purchases. We will investigate your claim, and if we conclude that you did not make the purchase(s), we will not hold you liable for the disputed purchases.
3.7 If you are a contract worker at the time of opening your Account, or become a contract worker at a later stage, there may be limits / blocks placed on your Account up to 6 (six) months before your contract comes to an end. You therefore need to inform us if these circumstances arise and will then need to provide us with new employment details to enable us to re-activate your Account / Card. You can contact customer services for more information.
3.8 It is a condition of using your Credit Facility that you may be required to pay a deposit when purchasing certain goods. You will be advised about this in store.
4. Understanding your Credit Limit and Credit Allocation
4.1 Any purchases you make are at all times limited to your Credit Allocation.
4.2 You undertake not to effect purchases in excess of the Credit Allocation.
4.3 Your Credit Allocation may be increased or decreased at any time by us in our sole discretion.
4.4 The Credit Limit for your credit facility may be increased in the following instances:
4.4.1 temporarily where we accept a transaction which results in the Credit Limit being exceeded or where we agree to raise the Credit Limit in response to a request from you in order to accommodate a particular transaction. You will then only be able to purchase again on your Account when you have paid back the amount which exceeded your Credit Limit; or
4.4.2 by agreement with you in response to a written or oral request initiated by you at any time or with your written consent in response to a written proposal by us at any time; or
4.4.3 unilaterally and in accordance with the NCA, if you, at the time of applying for the Credit Facility or at any later time, in writing, have specifically requested the option of having the Credit Limit automatically increased from time to time.
4.5 You may at any time, by written notice to us, require that the Credit Limit be reduced or stipulate the maximum Credit Limit that you will accept.
4.6 We may, by written notice to you, or SMS, reduce the Credit Limit. The reduction will be effective upon delivery of the written notice.
4.7 We may, in our sole discretion, decide to extend the term of your Plan to assist you with meeting your monthly payment obligations. We will inform you of this in writing or via SMS.
5. If your circumstances change
5.1 If your financial circumstances or income changes at any time, or you become unemployed, you must notify customer services as soon as possible after these changes occur.
5.2 If you go under debt review, you must inform us of this immediately. You will not be allowed to purchase on your Account while under debt review.
6.1 You agree that the address that you have provided on the Credit Agreement is the address where we must send all post and other communication as well as legal communication to you and that such communication will be binding on you (“your domicile address”).
6.2 The notice contemplated in clause 13.2.1 will be delivered to your address as per 6.1.
6.3 You must let us know in writing of any change to your address or your email address, telephone or cellular phone numbers. If you fail to give notice of a change of address, we may use the last address we have for you.
6.4 You will accept that you will be deemed to have received a notice or letter five (5) Business Days after we have posted it to the address you have given us.
7. Your monthly statement of account
7.1 You have agreed that we may provide you with statements of account periodically (at least once every 90 days, unless your account is dormant).
7.2 We will send the statements of account to the address you elected in the Credit Agreement or to your chosen e-mail address. You can also view your statements online by registering on www.tfg.co.za.
7.3 The statements of account will, amongst others, -
7.3.1 show all transactions relating to the Account, including;
7.3.2 all interest and other charges debited or credited to the Account;
7.3.3 inform you of the minimum amount that is payable to us on or before the Due Date stated on the statement; and
7.3.4 show you the total amount due on your Account.
7.4 No amount less than the minimum amount due must be paid to us by no later than the Due Date. Non-availability of a statement shall not be a cause to withhold or reduce any amount due and payable to us. Information about your Account and your payment obligations can also be obtained from customer services, on our website, or from any of our stores.
7.5 If you have not denied liability regarding a debit on the Account and/or raised a query regarding the correctness of any statement within 30 (thirty) days from the date of the statement, you shall be deemed to have admitted liability to us in respect of the debit and to have accepted the statements as true and correct, unless you are able to prove the contrary.
8. Paying your Account
8.1 We have the discretion to decide how much the minimum monthly amount payable (“Instalment”) by you is.
8.2 You may make payments at any TFG store, by electronic funds transfer (in the manner set out on your statement), by debit order, or online. The payment method you choose is at your risk, and we will only consider a payment as properly made when we have received it and credited it to your Account.
8.3 We will credit each payment made, as of the date of receipt of the payment, as follows -
8.3.1 firstly, to satisfy any due or unpaid interest;
8.3.2 secondly, to satisfy any due or unpaid fees or charges; and
8.3.3 thirdly, to reduce the amount of Principal Debt, which is the amount that becomes due when goods and services are purchased.
8.4 If your Account has been credited with an early payment, we will allocate that credit towards your monthly instalment payment for a maximum consecutive period of 3 months, after which your monthly instalment will again become due and payable.
8.5 Debit orders:
You can pay your Account by monthly debit order. You will need to complete a separate debit order instruction form in store, or you can speak to customer services to arrange a debit order. You will be bound to the debit order terms and conditions which can be found on www.tfg.co.za/debit.
9. Interest, costs and fees that we may charge you
9.1 We may charge an initiation fee for the preparation costs of this Agreement. We will inform you if we charge this fee.
9.2 You agree to pay the monthly service fee on the Due Date. This fee is for the routine monthly administration of your Account. If you do not pay this fee on time, it will be added to the outstanding balance and interest will be charged thereon. The service fee will never exceed the maximum amount which may be allowed under the NCA for this purpose from time to time. We may change the frequency of this fee from monthly to annually, in which event we will advise you of this in writing.
9.3 The interest rate payable by you will be the interest rate set out in the Credit Agreement, which rate may be varied, as per 12.1 below.
9.4 Interest is calculated daily on your full outstanding balance and compounded monthly. We are entitled to add any unpaid interest to the outstanding balance and the Principal Debt.
9.5 Interest on Suspensive Interest Plans:
9.5.1 If your Suspensive Interest Plan is not in arrears at the beginning of the month, and you pay your full Instalment on or before the Due Date, the interest as set out in clauses 9.3 and 9.4 above will not be charged.
9.5.2 If you do not pay your full Instalment by the Due Date, interest will be charged as per clauses 9.3 and 9.4 above until you have brought your Account up to date.
9.6 We will charge you collection costs each time you miss one or more payments and we have to write a letter / send a SMS / call you to advise you of your default.
9.7 We will also charge for telephone calls and electronic communication if they are made or sent to a telephone number / e-mail address that you have provided us with, and are not delivered, or if a voicemail is left on your phone.
9.8 If we hand your Account over to Attorneys or debt collectors for legal collection, you will be liable for their costs in full.
9.9 If we have to institute or defend any legal action of any nature whatsoever against you, you will be liable for all legal costs incurred by us, including but not limited to: legal costs on the “attorney and client scale”, collection charges, tracing fees and all necessary disbursements plus value added tax (VAT) thereon. These costs will be charged to your Account.
10. Optional financial services products
10.1 Your Account may be used to purchase any goods or services offered by TFG, which includes optional financial services products that TFG is licensed to offer.
10.2 You agree that we may charge your Account and collect the relevant amount(s) from you, including interest, if any, for the financial services products. This interest is retained by us.
10.3 Where your Account is frozen because of proceedings under the NCA or because you have gone under debt review, no premium will be billed for financial services products and all benefits will end.
11. Terminating your Agreement with us
11.1 You may terminate this Agreement at any time by advising customer services and on the conditions set out below. The date on which this Agreement ends or terminates will be called the settlement date.
11.2 If you terminate this Agreement, you must pay us the settlement value on the settlement date. The settlement value will include the following amounts at the settlement date:
11.2.1 the unpaid balance of the Principal Debt; and
11.2.2 the unpaid interest and all other fees and charges you owe.
11.3 We may terminate this Agreement on notice to you if you fail to comply with these Terms.
12.1 This Agreement is subject to a variable interest rate, and the amount of the total interest as well as the amount of the repayments stated in the Credit Agreement may change if the FGRR changes. We will notify you on your monthly statement of the date on which the new rate takes effect, within 30 (thirty) Business Days of that date.
12.2 We may change the amount of the service fees or other fees and charges payable by you by giving you at least 5 (five) Business Days notice in writing of the change.
13. If you fail to pay your Account or comply with these Terms
13.1 You will be in default under this Agreement if -
13.1.1 you do not pay any amount payable to us under this Agreement on the Due Date; or
13.1.2 you breach any of the Terms of this Agreement and you do not remedy the breach; or
13.1.3 any representation or warranty made in connection with this Agreement or any other documents supplied by you is materially incorrect or false;
13.1.4 you –
126.96.36.199 publish notice of the voluntary surrender or your estate or die;
188.8.131.52 are placed under administration or commit an act of insolvency as defined in the Insolvency Act 24 of 1936;
184.108.40.206 have any application or other proceedings brought against or in respect of you in terms of which a third party seeks to have you sequestrated or placed under curatorship, in any event, whether in a manner which is provisional or final, voluntary or compulsory.
13.2 Our rights if you are in default -if you are in default, we may:
13.2.1 give you written notice of such default;
13.2.2 propose that you refer this Agreement to a debt counselor, alternative dispute resolution agent, consumer court or ombud with jurisdiction, with the intention that the parties resolve any dispute under this Agreement or develop and agree on a plan to bring repayments up to date;
13.2.3 commence legal proceedings to enforce this Agreement if –
220.127.116.11 we have given you notice as referred to in 13.2.2 above or we have given notice to end any debt review process which may be underway in respect of this Agreement; and
18.104.22.168 you have been in default of this Agreement for at least 20 (twenty) Business Days; and
22.214.171.124 at least 10 (ten) Business days have passed since we delivered a notice to you contemplated in 13.2.2; and
126.96.36.199 in the case of the notice sent to you, have not responded to that notice, or rejected our proposal.
13.3 If you fail to pay any amount that is due, or, you fail to comply with any conditions of your Agreement, then -
13.3.1 all amounts owing by you to us may become due and payable immediately, at the discretion of TFG, and in the case of your estate being sequestrated or you going under administration, we will lodge a claim for the full amount outstanding on your account, plus further interest; and
13.3.2 we may suspend your Account and give you 10 (ten) days notice before closing your Account, in which event you will be required to repay the Account in full.
14. How we may process your Personal Information
14.1 You agree and consent thereto that we may transmit to (a) registered credit bureau(x) information concerning –
14.1.1 your Application, this Agreement and the termination thereof as well as information about your Account;
14.1.2 any non-compliance by you with the terms of this Agreement.
14.2 You acknowledge that such a credit bureau will provide a credit profile and possibly a credit score on your credit worthiness. You have the right to contact such credit bureau(x), to have the credit record(s) disclosed to you and to correct any inaccurate information.
14.3 You agree that we may –
14.3.1 make enquiries to confirm and verify any information provided by you in the application form;
14.3.2 seek information from any credit bureau when assessing your application and at any time during the existence of your Account.
14.4 You acknowledge and expressly consent that we may –
14.4.1 Process your Personal Information to conclude this Agreement and for purposes of maintaining your Account and complying with your instructions; and
14.4.2 Process your Personal Information for purposes of the prevention and detection of fraud and criminal activities, the identification of the proceeds of unlawful activities and the combating of money laundering activities.
14.5 You have the right to access your Personal Information held by us. We will grant you such access during office hours within a reasonable time after receiving such a written request for access.
14.6 We may share positive and negative information about you or your Account, including any non-compliance with the Terms of this Agreement, with other companies.
14.7 We will only keep your Personal information for as long as we need to or have to by law.
14.8 Should your Account go into arrears at any time, we may forward your Personal Information to third party agencies and/or Attorneys.
14.9 We may transfer our rights and obligations under this Agreement to a third party without your consent and without notice to you. In such an event the third party will then process your Personal Information.
14.10. You may update your Personal Information at any time by calling customer services.
15. Failure / Malfunction of networks and devices
We will not be responsible for any failure, malfunction or delay of any networks or electronic or mechanical device or terminal used in the acceptance and Processing of transactions and any other use of the Card and will not be liable for any damages, losses, claims or expenses suffered or incurred by you.
16. Your acknowledgements, representations and warranties
16.1 By signing this Agreement you acknowledge that –
16.1.1 you have the full capacity to effect and carry out your obligations in terms of this Agreement and that the terms of this Agreement do not conflict with and do not constitute a breach of the terms of any other agreement or undertaking that is binding to you;
16.1.2 all information that you provided to us in connection with this Agreements is in all aspects true, complete, current and accurate, and you are not aware of any material fact or circumstances not disclosed to us, which if disclosed, would adversely affect our decision to grant credit to you;
16.1.3 you are not subject to an administration order or under debt review;
16.1.4 this Agreement has been explained to you and you understand and appreciate the costs, risks and obligations associated herewith;
16.1.5 as at the date of your Application for credit with us, you have not taken up any additional credit.
16.2 If you are married in community of property, you warrant that your spouse has consented to the conclusion of this Agreement in writing and that his/her signature has been attested by two witnesses.
16.3 You have read these terms and confirm that you understand their content, the meaning of which has been explained to you.
16.4 You have the right to resolve any dispute that may arise between us by way of alternative dispute resolution, or to file a complaint with the National Credit Regulator, or to make an application to the Consumer Tribunal.
17. Our contact details
17.1 Customer services can be contacted via e-mail - email@example.com; post - P.O. Box 6020, Parow East, 7500; or telephone - 0860 576 576.
17.2 The Credit Ombudsman can be contacted on 086 1662837.
17.3 The National Credit Regulator can be contacted on 086 0627627.
18. General terms
18.1 We may monitor and record all phone calls and other interactions with you.
18.2 You may request this document and certain other documents in Afrikaans, IsiXhosa and Sesotho.
18.3 If we have not strictly enforced the Terms of this Agreement at any time, you may not assume that the Terms have been waived or altered by us. These Terms will still apply and we will have the right to enforce these Terms at any time.
18.4 We may provide a certificate from any of our managers, whose position it will not be necessary to prove, showing the amount that you owe to us. You agree that we may take any judgement or order that we are entitled to in law based on the amount contained in the certificate, unless you disagree with such amount and are able to satisfy the court that the amount in the certificate is incorrect.
18.5 This is the whole Agreement and no changes or cancellations will be valid unless it is in writing and signed by both parties or is voice logged by us and subsequently reduced to writing, except for unilateral changes made by us in accordance with the NCA.
18.6 This Agreement is governed by South African Law.
18.7 In terms of Section 45 of the Magistrate’s Court Act 32 of 1944 and at our option, any claim that may arise may be recovered in any Magistrate’s Court having jurisdiction and you hereby consent to the jurisdiction of the Magistrate’s Court.
18.8 We may amend or replace these Terms at any time and you will be bound to any changes made, and in such an event, a new agreement will not automatically come into being between us.
18.9 As an account customer you are automatically a member of TFG’s free Rewards & More program. For details of the program and T&Cs visit: https://www.tfg.co.za/rewards-and-more.
18.10 We may market certain TFG products to you from time to time. We may call you to market these products to you on Saturdays, Sundays and public holidays and outside of prescribed times as set out in the Consumer Protection Act 68 of 2008 (“CPA”). We will not do this if you indicate on Application, or subsequently by notifying customer services that you do not wish to receive such marketing calls.
19. If you are granted a lay-by account
If you request to be granted a lay-by account (as regulated in the CPA) in the event that you are not approved for an Account, you will be bound to the following terms and conditions:
19.1 you will pay a deposit of 10 (ten) percent of the total value of the goods.
19.2 You must make a minimum of one payment every month until the goods are paid for in full. You may decide to pay more frequently if you wish.
19.3 The total period for the lay-by is 6 (six) months for jewellery, and 3 (three) months for all other goods. We may decide to change these periods at our discretion.
19.4 Each monthly payment over the 3 (three) or 6 (six) month period will be an equal share of the balance still owing after the 10% (ten percent) deposit has been paid.
19.5 If you terminate the agreement before fully paying for the goods, or fail to pay in full for the goods within 60 (sixty) Business Days after end of the 3 (three) or 6 (six) month period, we reserve the right to charge you a termination penalty. We will refund the total amount that you have paid us for those goods, after the deduction of the penalty, to you upon request.
19.6 We may give you notice to cancel your lay-by if you do not pay in full within the time period allowed, electronically or by telephone.
19.7 No goods will be released to you until the lay-by has been paid for in full.
If, after reading the Agreement and after we have explained it to you, you are still uncertain of your rights and your financial risk and obligations, we recommend that you obtain independent legal advice.
By signing the Credit Agreement you acknowledge and agree that you understand the Agreement, your rights, financial risk, and obligations, and that you are aware of and have paid special attention to all the terms printed in bold.
(8 3 2017)