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Profile not updated There is a commencement date on any transaction and a recurring payment date for deduction of payments. Vuyiswa now decided that because the payment looks defaulted, my profile has a negative credit rating - this was in 2022 for an appliance purchase that requires a 50 percent upfront payment. How is the NCR able to review credit and yet you don't have optional payment dates on your. App then deem it as default to add penalties to incur extra monies for the same product / service. It's very misleading to now 3 years later have no payflex options. Too shallow for my liking!! Far too good to be true in ethics