PEP Home, N1 City Credit card ****

2025-07-18. Beware of this PEP card ****. A few months ago, an agent at PEP Home, N1 City Mall, approached my wife who specified she was NOT interested in any credit card because she has some already. He persisted and described it a CUSTOMER LOYALTY card; providing bonus points and discounts (similar to Pick'nPay's Smart shopper card). In breach of several parts of the Consumer Protection Act 68 of 2008 section 21, Under false pretences, he did NOT advise he was palming her off with a categorically UNWANTED credit card. With cash or a pre-existing bank credit card, my wife bought goods totalling R155.05 which the cashier ROUNDED-DOWN by 5 CENTS to be R155.00. The PEP card was merely scanned to score points, NOT to buy on credit. Without my wife's knowledge nor consent, the ROUNDED-DOWN 5 CENTS was debited onto the PEP card and became the *****ULENT SOLE BASIS of increMENTAL monthly admin fees plus interest payable before the card can be cancelled. On 2025-06-10, the outstanding balance was R52.19 which jumped by an additional R26.91 to be R79.10 on 2025-07-10. On 2025-06-20, PEP Home Manager Priscilla refused to sign acceptance of my wife's hand-delivered complaint document. On 2025-06-25, a PEP Customer Services agent Miche rang asking 3 days grace so she could escalate to their legal Department as we requested. We are still awaiting such feedback. Note: It seems the PEP agents are blissfully unaware, ***** vitiates all contracts. We are not interested in any generic automated response suggesting er ring Customer Services. We progressed far beyond that damage-control PR stunt. Alas, we were obliged to escalate to the Financial Ombud lest they blacklist my wife due to their *****. You could not make it up. Nor could we. So we didn't.