I'm trying to make head or tail of the National Credit Act - which looks like it should be the subject of this month's project. I've quoted from this page of the Cliffe Dekker website to indicate why:

All grantors of credit need to determine whether or not they are regarded as "Credit Providers" for purposes of the Act as Credit Providers must submit their registration documentation by 27 July 2006, otherwise all agreements they have entered into will be unlawful and unenforceable.
And folks, from what I have read so far, if you grant credit to your customers, you might well be a "Credit Provider".

But tracing the logic to work out who is and who isn't is like deciphering a bowl of spaghetti. And I haven't found any clear guidance anywhere on the internet yet either.