First National Bank will not hold Ntokozo Buthelezi liable for credit card debt booked to her account after she reported that her card had been stolen.
In August thieves broke into Buthelezi's car and stole her handbag, which contained her wallet.
She reported the theft to FNB and the bank cancelled her cards.
Buthelezi said she asked FNB not to replace her cards because she wanted to pay off the balance of R1600, the debt when the cards were stolen.
The thief continued using her cards long after she reported them stolen and her debt increased to R4855.
"I believe that I am not liable for the debt because I reported the theft on the day my cards were stolen," said Buthelezi.
She lodged a complaint with FNB but nothing was done until Consumer Line stepped in.
Vanessa van Heerden, head of fraud prevention at FNB Card, said the bank would not hold Buthelezi liable because she reported the loss of her card to the bank promptly and had acted in good faith.
Van Heerden said it was important for customers to familiarise themselves with the terms and conditions that govern the use of credit cards.