Woolworths VISA Credit Card Interest

For many years I have has a Woolworths Credit Card and on a monthy basis I've been settlement the FULL outstanding balance to avoid interest and to qualify for the 55 days free interest as per the credit card agreement. In the recent 2 month, Woolworths has continued to charge me interest despite me setteling the FULL outstanding amount as per my Statement by the stipulated date. Accordingto my August Statement, the FULL outstanding balance was due by the 11 September 2025. I settled the FULL balance by the 8 th of September 2025. The amount paid on the 8th was in fact R7000 more that the FULL Balance due, but yet on my September Statement I was charged an interest amount of R397.00.

When querying this with Woolworth Financial Services they say the reason for the interest is because of Cash Purchases made with do NOT qualify for 55 Day free interset.

On a previous inquiry, where I was charged R3180 interest, I was told that the interest was charged because of a purchase made from a merchant at Monticasino for their REAL DEAL PROMOTION to receive a voucher for Movie tickets, tickets to the Bird Garden and a meal for 2 as part of the Monticasino real deal promotions. Total cost of the ticket / voucher R450 Interest charged by Woolworths, R3180.00 This was queried a month ago and I still waiting for a consultants to get back to me regarding this ridiculous answer or charge by Woolwoths.

The consultants just do not call you back, every time you follow up a new ticker is logged with a 24 hour waiting period. No matter have ridiculous they answer is, you just have to accept it as your query will just end there and you have no further recourse or choise but to pay the interest or face being charged interest on interest if you don't. NO OTHER BANK IN SOUTH AFRICA that underwrights a credit cards make use of this kind of practice.

Please think twice before applying for a credit card from Woolworths. Make very sure about when you qualify for 55 days free interest. REMEMBER, WOOLWORTHS CONDITIONS ARE DIFFRENT TO OTHER BANKS when applying to a VISA CREDIT CARD.