I paid R800 towards my account on 4 Jan 2014 and the docket displayed: "YOU MAY STILL BUY FOR R1501". I had not spent since but today I went to buy an item of R200, I was told that not only do I have no credit, but my account is over limit by R1299. To my embarrassment the teller explained loudly even when I indicated I did not want the explanation at the time. As it turns out, despite signing numerous documents declining an increase in credit, my credit had been increased anyway such that I continued to spend past my known limit, trusting that Truworths would stick to our agreement. The result is that I was faced with an embarrassing incident today. More importantly being over limit would reflect badly on my credit record at credit bureaux. I've worked hard to maintain a clean credit record and Truworths messed it up by willfully and wrongfully breaching an agreement and probably the National Credit Act. While I dealt with Truworths in good faith, it pulled underhanded tactics for its own ends. Indeed I DO NOT want more credit, I want to keep my household budget in check. I only went to buy because I was given the impression that I am buying within my means.
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