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Credit report paints positive picture on consumer trends

Repo rate increases putting a strain on consumers’ repayment ability

Fresh out of university, Lwando*  landed his first job as a graphic designer in 2012, earning about R22,000 a month – a lucrative income for a childless young man with parents who didn't bother him for black tax.

His income placed him at some level of comfort where he could buy his first car, rent an apartment in a beautiful suburb in Randburg, Johannesburg, go out with friends to nice restaurants or take his girlfriend to baecations in the Cape. ..

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