Reckless lending and negligent lending

Reckless lending and negligent lending to a pensioner. My mother was granted credit for over R22000 on a pension of R3000. How is it possible to grant a pensioner credit to begin with. The agent at pick n pay deceived my mother by claiming that she would get monthly rewards on the RCS card because she is a pensioner. How do you expect a pensioner to make such decisions. What credit criteria did they use to grant a pensioner who is 74 years old credit. They expect her to pay R1992 a month. How will she pay for her household expenses. I have referred the matter to the National Credit Regulator and I have not received any feedback.