The full step-by-step — choosing the right account, the documents you need, applying, and what happens after approval.
Opening a store account is quick once you know the steps and have your documents ready. Here's the process, start to finish — it applies to almost every major retailer.
Match the account to how you shop and what you can afford. Our comparison table shows providers, interest-free terms and ease-to-get.
SA ID, proof of income (payslip or bank statements), three months' bank statements and proof of residence.
Online is fastest; you can also apply in-store or by phone. Complete your personal, income and contact details.
You'll agree to an affordability assessment and credit check — a legal requirement under the NCA.
Many online applications return a decision quickly. If approved, your limit is set and the account is ready.
Your credit limit is set based on your affordability, and you can usually start shopping straight away — often with a linked store card. Pay within any interest-free window to avoid interest, and pay on time every month to grow your record and future limit.
