NO SUCH THING AS INTEREST FREE

Ever wondered how PayJustNow makes money. Like all my debit orders i have my PJN date also set to my salary date but PJN tends to debit a few minutes earlier than your actual salary time so that it reflects insufficient funds. In this scenario PJN charges us R145 penalty everytime it declines. For some reason on PJN side my card is blocked so i can't pay manually but they proceed to keep debiting and declining because now it's blocked on their side for a few days but im shopping normal with the same card at different stores in the interim with no issues. I did change the PJN debit to a later date but it would only be effective after the entire balance is payed up. What a sad way to hold people ransom.