http://www.kulula.com:80/kulula-credit-card/qualifying-criteria<p>You need to be at least 18 years old and permanently employed. You'll also need to be earning a minimum of R80&nbsp;000 per annum or about R6 700 a month, however there are other factors that we need to take into account too (which the Reserve Bank makes us look at), so it's best if you give us a shout if you are unsure.</p> <h2>tell me more about the National Credit Act (NCA)</h2> <h3>What is the NCA?</h3> <p>The National Credit Act (NCA) is a South African law that came into effect on 1 June 2007. This gives all our fans better protection from anyone granting them credit.</p> <h3>Does the NCA apply to me?</h3> <p>Yip, but only if you are applying for a new kulula credit card.</p> <h3>What if I already have a credit agreement?</h3> <p>Then it's important to know that these agreements will remain unchanged, so the current terms and conditions will apply, unless you apply for a change to your existing agreement, then you'll have to get revised terms and conditions.</p> <h3>How will the NCA benefit me?</h3> <p>You'll get a pre-agreement upfront with a quote (no hidden costs) and then you'll get 5 working days to shop around if you wish to change your mind.</p> <p>You have the right to find out about your credit worthiness, and if your application is declined, you're entitled to know why.</p> <p>If you are over-indebted and having difficulty meeting your payments, you'll be able to talk to a debt counsellor who'll be able to help you.</p> <h3>Didn't find what you were looking for?</h3> <p>No sweat! Simply call one of our friendly helpers on 0860 MOOLAH (666524) or go the <strong>National Credit Regulator</strong> website at <a href="http://www.ncr.org.za/" target="_blank">www.ncr.org.za</a>&nbsp;to find out more.</p> <p><a href="http://media.kulula.com/static/www.kulula.com/doc/pdf/kulula-credit-card-terms-and-conditions-2013.pdf" target="_blank">Terms and Conditions for kulula credit card</a> <span class="req_star">*</span></p> <p>&nbsp;</p> <p><span class="instruct_text_sm req_text" style="font-weight: normal;">* Requires a PDF reader. <a style="font-size: 11px;" href="http://get.adobe.com/reader/" target="_blank">Get Adobe Reader</a></span></p>