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How Many Minutes?

Written by faraimagic from the blog CELEB SPY on 14 Jan 2009
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Summer loving happends so fast,so you think your man cant hold his horses till the finishing line?well at least he can last for 3minutes.you shud be grateful compared to some telephone networks and cellphone networks in this Country!Petrol is even cheaper than calling......Beleave me ladies,we share the same disappointments.

Just the other day i phoned a friend,to say "hey happy new year,you have made it".....R9.oo gone!!! the call lasted 38seconds not even a minute...this is unacceptable...just now i wanted to call TDC and Mjj maar again i thot of the costs...so guys i will talk to you after 8pm tonight...ooops sorry make that after Genrubish! Also even wen calling off-peak you hardly notice the difference...My point is Calling in South Africa has become an Agony,or shud i just say a pain in the butt?Then you still find people sending you call backs in the afternoon,only to find out that its a wrong number!

Some countries making voice calls they charge you next to nothing, like the U.S.A..making calls localy in the U.S is free!!!!then again its a good thing coz if they have to do it here,Blacks wud abuse the Networks...you know us Blacks and free things!LMAO.

I will be Specific..VODACOM and VIRGIN mobile..yet everywhere you go they tell you about being cheap..bill bords everywhere!..Yerrrrrrrrrrrrrr these two networks are disappointing..i mean i use both maar gees they are so expensive wen making calls...dont know wat happened to 90% off,they alway talk about.

Again wen purchasing Data Bundles,you wud spend nore than R25.oo for 20MB,of which they will last not more than 45minutes

Whats really going on here?Sombody have to look at this.Our money is going slowly for Intoni?Emagine if we could pay R0.o3 per minute?Tjo it will be like findin a bottle of cold waterin a desert.....Orgasmic Sex i say!

Obsavations

-Now that petrol prices are down,should the Taxi fares also remain up there?

-Why do you need a prescription to buy Viagra?

-When is Mugabe living the office...we are tired now?

-Is it true that there was some Xenophobic attacks recorded during december in Durban?

-Does your man make you sing Summer Loving happend so Fast?

-Are your freinds and Family asking money from you this january?wat happened to their money?

-How many minute do you take to...........?

147 Comments

faraimagic
14 Jan 2009 11:03

will edit it now!

Renegade
14 Jan 2009 11:14

Now that petrol prices are down,should the Taxi fares also remain up there?
They should, but we all know they wont.

Why do you need a prescription to buy Viagra?
Just to be sure you wont have bad reactions to it.

When is Mugabe living the office...we are tired now?
When he dies

Is it true that there was some Xenophobic attacks recorded during december in Durban?
Didn't hear about it.

Does your man make you sing Summer Loving happend so Fast?
Uhh....no

Are your freinds and Family asking money from you this january?wat happened to their money?
Eish, I just say nami I dont have anything.

How many minute do you take to...........?
I'll put a timer next to the bed next time.

faraimagic
14 Jan 2009 11:20

One minute man!

Renegade Does your man make you sing Summer loving happened so fast?
Uhh ...no ,,,Ha ha ha ha ha ha a hah a..Cant stop laughing you funny yazi?

Cody
14 Jan 2009 11:22

Tl tl tlThis blog got me cracking.....kwa kwa kwa Farai!!!!let me stop laughing i'll be back!

Centrepiece
14 Jan 2009 11:23

I am with you Farai on Vodacom, i mean that company reaps us off, they only give us "their" 99% off between 1:00 a.m. and 1:59 a.m. (who is still awake or sober at that time, i ask?) and you can't even see the difference.

Toodecent
14 Jan 2009 11:23

I make calls like crazy and spend a lot on them........I worry not as long as they are worthwhile: -) like 1 call am gonna make now.
How many minute do you take to...........? >>> Will put a timer next time.

Toodecent
14 Jan 2009 11:24

BTW all cellphone companies are ripping us off and they are expensive...that is a FACT.

Cody
14 Jan 2009 11:28

vodacom e expensive indeed, more especially the R12 airtime, it is just a bloody waste of time, it gets finished in like 2seconds!!!!!!

Zah000
14 Jan 2009 11:29

When is Mugabe living the office...we are tired now?
When he dies
Somebody please help him out on this one...... fate is taking too long!!

Is it true that there was some Xenophobic attacks recorded during december in Durban?
I heard on the news about it........

The calls have become very expensive, even during off-peaks. We are gettin gripped off la, even when MTN says it's 70% off.....

still find people sending you call backs
Sometimes i wish bangenza o-call back babe yimali!! There are people who send these for the fun of it. When you call the person back, thinking they might actually want to tell you something serious, the only thing abazoyisho is: "I was just chacking up"........... Damn, this irritates the c*ap outta me........

LM
14 Jan 2009 11:30

LMAO Farai and Rene...

For me Voda what what is the most expensive of them all, just like ABAS bank when it comes to fees...they v got head office, admin, withdrawal and transaction fees, just to name a few....what the F are all this for?

Again wen purchasing Data Bundles,you wud spend nore than R25.oo for 20MB,of which they will last not more than 45minutes. Farai, this is not time based, it is not helkom afterall. it means the amount of data you download or use within that 45min is 20MB, but again a couple of people with data contracts are crying their lungs out:(

Strolicious
14 Jan 2009 11:33

CP mina if it 95% ko Mtn,if i gt ur numbers ngiyakuvusa,

Cody
14 Jan 2009 11:34

LM dont even get me started on ABSA. i will never understand why a person has to pay for making a deposit, with all the banks in South Africa.

Even Cell C, dont call ngeweekend wena uzobuna, R5 airtime is fokkol!

ms.tebby
14 Jan 2009 11:35

hayibo! taxi fares should go down cz petrol has gone down...we need the benefit of that too!

belz
14 Jan 2009 11:35

I use MTN and Cell C, and i am very happy!!!

belz
14 Jan 2009 11:38

The only irritating thing with cell c is, you get people calling you on weekends for the stupidest of reasons, jsut coz its free.

GoldenSta
14 Jan 2009 11:41

-Now that petrol prices are down,should the Taxi fares also remain up there?

Taxi fares should go down as well but on TV the other day they had a guy from one of the taxi associaions and he said they will not bring the fares down, they'll use the money for servicing and maintenance. Isn't servicing part of maintenance kanti? He forgot to mention greed and the fact that they are doing it cause they can. I wonder if they are sponsoring the ANC or some politicians...

GoldenSta
14 Jan 2009 11:43

<< The only irritating thing with cell c is, you get people calling you on weekends for the stupidest of reasons, jsut coz its free.>> hahahaha belz my mother's now got cell c and she wants all of us to get starter packs so we can phone each other ngama weekends for free.

myname
14 Jan 2009 11:46

And really ke Belz, is it free on weekends?

realist
14 Jan 2009 11:48

just like ABAS bank when it comes to fees...they v got head office, admin, withdrawal and transaction fees, just to name a few....what the F are all this for? I was with this bank and finally took the crunch and jumped ship. I’ve been happier since. As for cell phones, I’m one of those lucky one. The company is footing the bill. So I have no stress with mine except the commander in chief.

belz
14 Jan 2009 11:49

Yes myname its free, you can talk until you fall asleep wethu, get yoself a cell c starter pack, for yourself.

myname
14 Jan 2009 11:53

Maar Belz some1 told me that u cant talk if u dont have airtime. You must have at least a minimum of R5-R10(am not sure), but u must have i airtime. Askis Fara for highjacking ur article.

tracy
14 Jan 2009 11:55

-Now that petrol prices are down,should the Taxi fares also remain up there?
No!

-Why do you need a prescription to buy Viagra?
Its addictitive and its for your on good imagine being addictated to sex yoh!

-When is Mugabe living the office...we are tired now?
God knows

-Is it true that there was some Xenophobic attacks recorded during december in Durban?
I also heard on the news but I guess where they is smoke they is fire

-Does your man make you sing Summer Loving happend so Fast?
I wish

-Are your freinds and Family asking money from you this january?wat happened to their money?
I m also asking them for money

-How many minute do you take to...........?
It depends on who is on top

belz
14 Jan 2009 11:55

No myname, nna im on contract le Cell C, so the weekend thing is free forever for me. But if you are on prepaid, you have to recharge with at least R10 during the week for you to talk for free on weekends.

Toodecent
14 Jan 2009 11:58

I think this cell C thing works with points and you earn free minutes.Anyway okae Sego... a expleine?

Renegade
14 Jan 2009 12:04

I'm also on a cell c Contract. And as far as I know, the weekend thing works like this.
Prepaid: You have to recharge with R5(or as Belz says R10, i'm not sure) during the week and you get up to 100 free minutes on Sat, and another 100 on Sunday.

Contract: Provided that your contract free minutes are finished, you also have the same free minutes. But first you must finish your normal free minutes.

THose that are complaing about bank charges, guys, use FNB R66 option, that's if you do electronic transactions mainly, which i'm sure you all do. It really is the best as far as I'm concerned.

Renegade
14 Jan 2009 12:06

Anyway, am off to the car wash/lunch...later ya'll

Centrepiece
14 Jan 2009 12:07

I think i will jump ship too from ABAS to .............................. which bank do you guys recommend?

NtandoN
14 Jan 2009 12:08

I think Absa charges more because of the services that they are offering their customers, remember you pay for the service not product.

If you wanna pay less convert to Capitec Bank and see where you're gonna withdraw money after hours?

Come to think of it Astor Cash & Carry, Shoprite and Woolworths are selling same products from one supplier but prices differ because of the service.

belz
14 Jan 2009 12:12

I think Absa charges more because of the services that they are offering>>> FNB gives me all the services that i need, and they are reasonable.

Astor Cash & Carry, Shoprite and Woolworths are selling same products from one supplier but prices differ because of the service.>>> No they are not, Shoprite sells their brand and so does woolworths. you can get different service from different woolworths' same with other shops.

felfel
14 Jan 2009 12:20

Belz, shoprite and Woolies do sell the same products at different prices, with Woolies being more ofcoz, but they also sell House brands. There are recommended prices for those products but they change for their own reasons.

I've been with Nedbank for 10 years now and i have no idea what their bank charges are.

realist
14 Jan 2009 12:21

I think Absa charges more because of the services that they are offering their customers, remember you pay for the service not product.
No, they are milking the consumer for what it is worth. No services rendered, just milking the consumer. To get free services from them you got to have 10K in your account. Who in their right mind will have 10K in a transactional account? Jump ship and move over to FNB. Only 66bucks a month as long as you do electronic banking. ABAS charge you 100 bucks for a minimum of 15 electronic transactions (I might be wrong but that I was told by one of their consultants).

Toodecent
14 Jan 2009 12:25

I recommed Capitec Bank hi hi hi hi. No bank charges well they are less good for saving too. I use ABSA and on the big banks and its the best believe me. I think their charges are less than what other banks do... A friend was using FNB and he would be having around 300 bucks inside but cant get it out.He moved to Standard bank and same *bleep!* happens mara with absa I can get broke as i ca that only 40 bucks can be left and I would milk out my last cash.

Cody
14 Jan 2009 12:27

Like my friend always says. "With ABSA, your sex life will be amazing - they scew you every chance they get "

Im going to check out the FNB R66. i am up to HERE with Absa!

LM
14 Jan 2009 12:27

I think Absa charges more because of the services that they are offering: And what service do you get when you withdraw money from the ATM? isn't this the same service you get at other banks? what is an admin and head office charge for when yu are still expected to pay a monthly "set" fee which sometimes does not even cover some of the debit orders.

Capitec is still a small fish, it offers very basic transactions, which most of us only use in these big fish banks and we are paying an arm and a leg for them. Once Capitec offers internet banking, I'm out.

If you wanna pay less convert to Capitec Bank and see where you're gonna withdraw money after hours? from All the other banks' ATMs, that's what saswitch fees are for, again this won't be a daily thing.

myname
14 Jan 2009 12:43

Lol Cody

Pooky
14 Jan 2009 12:54

......and that's why i've left ABSA and gone to FNB...Absa is ridiculous

faraimagic
14 Jan 2009 12:58

Have you tried calling a cell c number on a weekend?the network is jammed!

NtandoN
14 Jan 2009 13:15

Absa is an international bank which justifies their costing, Capitec is a micro-lender. Once it reaches Absa's level their bank fees will be the same.

It has more ATM's than any other bank in SA and that cost money, I'm with Absa and pay about R13,50 monthly, the trick is to find a loophole in the system and use it. You can even do Islamic banking.

With Woolworths I get the same service everywhere I go if I don't get it I lodge a complain because I'm paying for the service, with Shoprite the cashier doesn't even greet nor pack your grocery and it's fine as I'm not paying that much.

Remember all these institutions are govern by the same body and there's also Competition Act against irregular pricing.

BigMama
14 Jan 2009 13:17

@TDC........FNB is the best l used to withdraw upto the last cent that l had. ABSA is the worst of them all, Capitec is a darling, Nedbank almost the same as ABSA, l just don´t know about Standard bank but l know that they are very quick and customer friendly.

l think l might be using the wrong ABSA because l am getting the totally opposite of what your friend is getting.

When it comes to the networks MTN is the boss, shame their services are good and they can give you free airtime of about (upto) R60.

BigMama
14 Jan 2009 13:20

@NtandoN........you are so very correct about Woolies their services are of higher grade, shoprite eish they really need to do something about customer service.

myname
14 Jan 2009 13:23

Ini BigM? R60 hayi mna i only get R2 & i always ask myself why? I always buy R60 airtime & R30 but they have a nerve 2 give me that little mfiiimmmm

faraimagic
14 Jan 2009 13:25

TDC pliz man dont send me a call back anymore!cant call you back i will weight(wait) hi hi hi hi for 99% off at 01.00am!

Toodecent
14 Jan 2009 13:29

When it comes to the networks MTN is the boss,>>> Please dont get me started with this sh!t network. Their CEO is pocketing a sh!t load of money as well as employees but that services are pure junk.They are busy focusing on branding in Africa and middle east while South African's experience hardships with their service. Their network forever has bugs and sometimes not working at all. Since the 30th it was yoh... airtime worth 170 bucks was lost by a dude i know becuase until 1st around 3pm he couldnt recharge and guess what? After he is told the vouchers worked on the 31st while he had them and they didnt even get in.

mjj
14 Jan 2009 13:29

I gave up on cellphone charges......i don't even check my statements.....I have a 2G data bundle subscription (1 Gig from Vodacom and another 1 Gig from the new Telkom wireless service called Do 3G).....that's not enough for a month.....next month i need to move to 3Gig.......

Telkom has its own mobile service.....the service is not that good yet, but its cheaper sometimes (according to telkom....)

NtandoN - I'm no longer buying Woolies food....its making me fat because it taste better so i never so NO to seconds.......

capitec? Is that a bank?

Toodecent
14 Jan 2009 13:30

Wena Farai uyagula my laitie.

makgotso
14 Jan 2009 13:34

LOL, myname iMTN inesono. One thing for sure cha iMTN iyaphana these days my little brother uses iprepaid they gave him some airtime the other and he was over the moon and uhlale afona njalo which is something angayenzi.

As for iAbsa I rest my case charges zabo mhhhhhh but ibetter than iStandard bank, umngani wami even changed ngoba they've ridiculous charges that one can't even understand.

awelani
14 Jan 2009 13:38

capitec? Is that a bank?>>>LOL

realist
14 Jan 2009 13:41

ABSA is the worst of them all, Capitec is a darling, Nedbank almost the same as ABSA, l just don´t know about Standard bank but l know that they are very quick and customer friendly.
Could not have said it better myself. I was looking to buy a car, first I went to ABAS and they said I could not afford to repay the loan and so they declined, went to Nedbank and they gave me the run around until I reported the idiot who was handling my application. They took their time and eventually moved to FNB and there they did an affordability assessment and they declined my application. Mind you all this I did it by going direct to these banks.

I decided to try my luck with Standard bank; it took them only half a day to approve my loan without even doing an assessment. So JA I agree with you Bigmama standard bank is more efficient of the lot. To reward them I have opened a 32 days notice with them.

Cande
14 Jan 2009 13:41

I feel you about vodacom, im forced to use it because its a work phone and shame they overcharge me.. let me read replies.. ABSA bank is a NIGHTMARE

KeleFabulous
14 Jan 2009 13:47

the US call charges are cheaper because there's too much competition and the networks will do anything to stay afloat. unlike here where we get like what 3/4 networks? not much competition there...

belz
14 Jan 2009 13:49

Standard bank always hold R50 from whatever money you have, mgumbhedo nje!!! FNB you draw until it say zero.

Renegade
14 Jan 2009 13:52

Like I said, FNB is the way forward. As for call charges, I gave up on checking my cellphone bill,I really don't know whats cheaper than what

Dimago
14 Jan 2009 13:52

Standard bank always hold R50 from whatever money you have, mgumbhedo nje!!!
So does ABSA nje Belz.

mjj
14 Jan 2009 13:58

Awe - i was being serious yazi.....I have seen the Capitec sign, all along i thought it was a loan shark......

faraimagic
14 Jan 2009 14:07

KeleFab heeeeeeeeeeeeeeey am i so happy to see you.....wow i ha forgoten you!good to see you!

makgotso
14 Jan 2009 14:08

@mjj - say you are kidding........

Bakwethu let go to Ihala Bank

Strolicious
14 Jan 2009 14:09

lol @ loan shark...

faraimagic
14 Jan 2009 14:09

Is Capitec a Bank.......Bwaaaaaaaaaaaaaaaaaaaaaaah mjj usile!

Cande
14 Jan 2009 14:09

i went from Standard bank to FNB to ABSA, not i dont know where to go to..my next step is Post bank

makgotso
14 Jan 2009 14:10

Ihala Bank - meant Ithala Bank

felfel
14 Jan 2009 14:11

Its funny how u can go to a Woolies in an area where the majority shoppers are black and you find that Woolies operates like a Shoprite (service too) yet the ones in white areas are of high standard in terms of service.
In cape Town the Woolies in Tokai and Constantia are just worse. My brother worked there for only a month and just switched off his fone and stopped going to work cos the white shoppers were giving them hell. Apparently they feel entitled to demand whatever they want whether in their right or not.
When i first went to the Woolies in central Pta i thought i was inside shoprite or Discom and i was already used to that superiority of W.

Toxic
14 Jan 2009 14:12

really Belz?

NtandoN
14 Jan 2009 14:13

realist : If you can go to the ombudsman with that story Standard Bank would get a huge fine. You should be happy that other banks had declined you because you were not credit-worthy.

Most of you are complaining about bank charges because you have chosen the wrong product. A cheque account has more charges than savings account, if you know that you can't afford bank charges go for the money builder account.

Credit card charges 25% on all transactions so don't go on a date and pay using a budget facility. Only use it necessary.

It's all about the status, I have seen people who are earning less than me bragging about having gold cheque account/ credit card.

faraimagic
14 Jan 2009 14:13

Toxic heard you have been kissing girls! is that your new year's resolution?

AkaS
14 Jan 2009 14:14

@ BigM: When it comes to the networks MTN is the boss, shame their services are good and they can give you free airtime of about (upto) R60. Hayi bo is it true this days I haven't received even that R2 airtime

Hey since November MTN ubengilela izimanga. I'll buy airitme now & in few minutes is finished . And they now charge 45c per SMS & you can't send it if you've got 50 something cents airtime. Hayi shame I really hate what MTN does this days

faraimagic
14 Jan 2009 14:14

so who gets all these monies they are charging?

makgotso
14 Jan 2009 14:18

@Cande, please share your experience mina I have been using Absa since opened an account, a friend of mine recommended FNB.

Cande
14 Jan 2009 14:18

money builder account. >>> money builder account is a savings account @ ABSA, it charges more than a cheque account because it should only be used by people who want to save not perfom transaction regularly

realist
14 Jan 2009 14:19

My brother worked there for only a month and just switched off his fone and stopped going to work cos the white shoppers were giving them hell. Apparently they feel entitled to demand whatever they want whether in their right or not. One customer (no need to mention race) was clapped well and good at the east rand mall Pick ‘n Pay. Reason for the clapping: mentality of thinking that the customer is always right forgetting that the person you are talking to also has feelings and emotions. BTW the same worker who clapped the customer well and good is still working at the very same pick ‘n Pay.

faraimagic
14 Jan 2009 14:20

I think wat the networks are doing is this......say you buy a R5.oo airtime like i do(eish being poor)...you are just buying a number which is 5 maar the units there are way much lower than that..they are playing us with numbers!!!! maybe R29.oo airtime isnt all they say its worth! becoz they say R29.OO AIR TIME can talk for 28minutes maar if you really start doing yo maths...you can only speak fo 23minutes...off peak hours.......4minutes peak hours!

Toodecent
14 Jan 2009 14:21

so who gets all these monies they are charging?>>> African National Criminals and their guvment.

u4me
14 Jan 2009 14:22

I wonder why some networks gives people 90% off between 1am and 3am, i mean who are you going to call ka nako ya baloi. they think they are smart nxa!

mabhebheza
14 Jan 2009 14:23

How many more minutes do i have 2wait ....shuu boy am i tired of hearing the Anytime now !!
Molwei bahlali!

ms.tebby
14 Jan 2009 14:25

Toxic heard you have been kissing girls! is that your new year's resolution?>>>LOL

Toxic
14 Jan 2009 14:25

LOL Farai

what aka mathata
14 Jan 2009 14:29

i think MOGABE he will stay for good at malaysia,his not a fool,holiday it wiil be a holiday for good.

realist
14 Jan 2009 14:30

realist : If you can go to the ombudsman with that story Standard Bank would get a huge fine. You should be happy that other banks had declined you because you were not credit-worthy.

Ntando: I had a savings account with ABAS and they were still charging the exorbitant fees. Trust me I am credit worthy and that I know it. I was paying my bond R4000 on a loan that requires that I pay R1800. When I finished my bond the Idiots at the other banks were lazy to do credit checks and that is why they decided to decline my loan.

The reason Standard bank gave me the loan was because they work smarter and not harder. You know why? They did the credit checks first before they could do the assessment. Based on their findings it was not necessary for them to do it with me. All these credit checks that banks are doing are to comply with the law and it does not mean that they are justified.

Trust me I can run my finances better those idiots at the other big three banks.

Pooky
14 Jan 2009 14:32

Awe - i was being serious yazi.....I have seen the Capitec sign, all along i thought it was a loan shark......

LMAO

J-Girl
14 Jan 2009 14:37

@ Ntando, why would R want to go to the ombudsman when R got what R wanted? I thot u did the ombudsman when u are dissatisfied with something...*confused look*

Toxic
14 Jan 2009 14:46

LOL j-girl

faraimagic
14 Jan 2009 14:46

why does the ATM works 24 hours?have you ever for one day woke up at 3aqm in the morning so that you can withdraw money form an ATM.?wat was the money for...Unless it was for drugs!coz legit businesses are closed at this time...the 24hour businesses offer swipping services!!!

LM
14 Jan 2009 14:47

One customer (no need to mention race) was clapped well and good at the east rand mall Pick ‘n Pay. Reason for the clapping: mentality of thinking that the customer is always right forgetting that the person you are talking to also has feelings and emotions. BTW the same worker who clapped the customer well and good is still working at the very same pick ‘n Pay. kwa kwa kwa kwa kwa kwa....o mo laile, s/he must have thought s/he was dreaming..

LM
14 Jan 2009 14:51

why does the ATM works 24 hours? Not all of them do! STD bank ones in Carnival mall start working at 07:30am, don't know what time they get switched off.

LM
14 Jan 2009 14:55

Standard bank always hold R50 from whatever money you have, mgumbhedo nje. STD Bank mine is R20 in E-Plan and nothing in cheque. can withdraw every last cent I have there...

Hoty.Toty.Kinda.Girl
14 Jan 2009 14:56

When is Mugabe living the office...we are tired now?

I think Mugabe is living in the office right now, did you mean to ask when is he leaving the office? i guess the answer is: your guess is as good as mine.

faraimagic
14 Jan 2009 14:56

NtandoN
14 Jan 2009 14:57

J-Girl: it's against NCA to grant loan to somebody who can't afford it, some bank clients have gone to the ombudsman with proof that loans were approved whereas they did not qualify. Ombudsman then instructed the bank to write off the loans as a bad debt.

Credit check forms part of assessment and are not 100% accurate as some credit granters do not remove your name even after you have paid the debt. I have worked as a Credit Analyst for different banks and this is always the case.

You can pay R4000 on the loan that requires R1800 but if your portfolio is not balanced then you're not credit worthy, if your Edgars account is behind it affects your scoring.

faraimagic
14 Jan 2009 14:59

Clearly Hoty.Toty.Kanda.Girl havent wrote smses before!!!thats the short vession of Leaving...cum on ...im sure you are Hoty enuf to get that in yo scope!

and who asked you to be an Editor?

Renegade
14 Jan 2009 15:00

why does the ATM works 24 hours?
Hau Farai, have you never been out at night and run out of cash? It used to happen a lot to us at varsity when we'd spend all our cash, and have no money for a cab back to res, so ATM's to the rescue.

NtandoN
14 Jan 2009 15:02

Operating 24hrs works in favour of the people deeply in debt as they usually sleep by the ATM to withdraw money at 24h00 before the debit orders go through.

faraimagic
14 Jan 2009 15:03

pliz.... im so Frustrated right now...im sick,got diagonised with January Disease...and haven't got my medication(money) so pliz dont make me loose it!!!!

LM
14 Jan 2009 15:04

When i first went to the Woolies in central Pta i thought i was inside shoprite or Discom and i was already used to that superiority of W. write/complain to head office (CPT) dear, I did the same with the one in Germiston and before end of the day the owner (franchised) called me himself to apologise and he even gooied a coffee shop voucher on top of his apology.....

realist
14 Jan 2009 15:05

Ntando: I have an Edgars account and it never goes past 300 bucks. I don’t need the damn card but have it for credit worthiness and that’s it. Like I said, credit checks are done to comply with law but are they justified?

faraimagic
14 Jan 2009 15:05

NtandoN i haven't looked at it that way..maar its clever! so innocent companies my suffer?.....well heard they want to change the Debiting system...they will now gwt staff to work before 12am....so they wont be running away anymore!

realist
14 Jan 2009 15:08

Operating 24hrs works in favour of the people deeply in debt as they usually sleep by the ATM to withdraw money at 24h00 before the debit orders go through.
So true.

faraimagic
14 Jan 2009 15:10

I also beliv(maybe i shud wright it like this BELEAVE,so that people like Hoy wat wat girl can froostan!) i also Beliv that Guvment have the AIDS cure long time ago...maar they just want to make money again by selling ARV's to get you to the next stop!!!!coz how can they make a ship that can sustain the sun's heat....and cant make a simple tablet to cure aids....this disease was a business opportunity for Guvments!!!

LM
14 Jan 2009 15:12

who is paying for these ATM machines to work 24hours? once again us!we are being reaped off right under our nose...and its funny coz no-one complains about this...we shud have people who represent us on these things! Unfortunately we have no one Farai,the competition commissioner released the much awaited report on banking fees and that's it. Even though banks were found not be able to justify all the money they milk us, no one is gonna do anything about it. A full report with info that the banks requested the CC not to release to the public was leaked on some website, forgot the name, the whole thing was being discussed on news24 last week.

Best-Achiever
14 Jan 2009 15:14

FNB is the best l used to withdraw upto the last cent that l had.

have heard a lot about this..maybe it is time i give it a try

faraimagic
14 Jan 2009 15:15

i think we shud start a bank! we cud be rich for all we know!....or maybe a cellphone network line!

tha - bang
14 Jan 2009 15:16

money money money ,its defineatly january time again.

faraimagic
14 Jan 2009 15:17

maybe these MOTHER FCUKERS just need some serious competition!........thats all it is hey?

Beyonce
14 Jan 2009 15:17

January disease? LMAO tooo funny

Toodecent
14 Jan 2009 15:18

pliz.... im so Frustrated right now...im sick,got diagonised with January Disease...and haven't got my medication(money) so pliz dont make me loose it!!!!>>>> Being broke in January is CHILDISH!

faraimagic
14 Jan 2009 15:18

Hai Bee...thanx for the Pizza the other day! are you back from cape yet?

faraimagic
14 Jan 2009 15:19

Ha ha ha ha ha haTDC look who's talking...Kids these days!Nx!

belz
14 Jan 2009 15:22

Operating 24hrs works in favour of the people deeply in debt as they usually sleep by the ATM to withdraw money at 24h00 before the debit orders go through. >>> LOL!!! Kunzima ngaphandle

Beyonce
14 Jan 2009 15:24

>> also beliv(maybe i shud wright it like this BELEAVE,so that people like Hoy wat wat girl can froostan!) i also Beliv that Guvment have the AIDS cure long time ago...maar they just want to make money again by selling ARV's to get you to the next stop!!!!coz how can they make a ship that can sustain the sun's heat....and cant make a simple tablet to cure aids....this disease was a business opportunity for Guvments<< Farai, my friendo, now you are losing it...

faraimagic
14 Jan 2009 15:26

No im just bieng Black!LOL

mjj
14 Jan 2009 15:26

so who gets all these monies they are charging?>>> African National Criminals and their guvment......PURE IGNORANCE AT ITS BEST..........lol

Beyonce
14 Jan 2009 15:27

Faro: Yes I am dear, will call you tomorow about that 'deal' we spoke about nneh

faraimagic
14 Jan 2009 15:27

And Beyonce why you talking to me Nigerian?...you know i dont like them...PERIOD!

faraimagic
14 Jan 2009 15:30

Beyonce jah call me womano! if you dont then you will lose out...

Emagine all these sad storries of money...then one Nigerian guy just manage to withdraw all you last money!!!!!!pose..stop...think about it?????before you know it you have R0.oo balance in yo account!...heeeeeeeeeeeeeeeeeeeeeee Vanondiona!...meaning They will see me!!!

Beyonce
14 Jan 2009 15:31

Faro: I know thats why I did it.. kwa kwa kwa

Beyonce
14 Jan 2009 15:32

he he he he

NtandoN
14 Jan 2009 15:33

LM
14 Jan 2009 15:41

maybe these MOTHER FCUKERS just need some serious competition!........thats all it is hey? you can try but it aint easy joe, you still need their resources (paying/debiting system blah bla blah) to run ur smallanyana bank just like Capitec is relying on the big 4's. Apparently their transactions/debits/credits get processed first and if /when there is capacity left in the system then the small fry's transactions gets processed and cleared:(...

Beyonce
14 Jan 2009 15:42

What is HUNGRY LION?? is it like a bank or sungthing?

faraimagic
14 Jan 2009 15:43

LM its fine as long as we gon make money!

LM
14 Jan 2009 15:45

What is HUNGRY LION?? is it like a bank or sungthing? it is a KFC/Chicken Licken bootleg (fake), LOL Bey...always available not far from taxi ranks..hi hi hi

Sana Lwam
14 Jan 2009 15:55

Hi all,

Beyonce, iHungry Lion is a fried chicken outlet yakwa Shoprite. They have enormous drumsticks and those soft mush "cafe like" chips.

NtandoN
14 Jan 2009 16:02

Masikati Farayi!

NtandoN
14 Jan 2009 16:14

Oneka munhu wose

Lady D
14 Jan 2009 16:15

Withdrawing your monety before debit orders go through is so not good.rd's on your bank account affects your scooring,come the time you want to buy a car or a house this will then affect you.you might not be listed but your payment profile is very much important!!!it affects your credit record,paying accounts late,skipping some months and that affect your pp big time

so if you are doing that,you better stop.I fail to understand gore why is Jan a tough month,we undergo the same ish every year,haven't we learned already?we can mos do our bidgett to meet our Jan needs!

nice
14 Jan 2009 16:33

Credit analysts would mostly favour the one with no history.

Ntando , no you are a high risk if you do not have history. but you dont necessarily need credit. a cheque account history is good enough.

I wont speak for my bank as their fees are high, try Investec though, you can draw at any big 4 ATMs at no extra charge. It you belong to the others you have to draw at their specific ATM's and if it is not working and you draw at a competitors, they charge you a min or R6.

nice
14 Jan 2009 16:36

Lady D, one thing I have noticed is that the shops make it more difficult as their prices are increased way more than the norm in Jan and because of the X-mas binge, you have no choice but to buy as "isisu asikoloti"

Brown Shuga
14 Jan 2009 20:14

<<<Standard bank always hold R50 from whatever money you have, mgumbhedo nje!!! FNB you draw until it say zero.>>> LOL Belzito...uzifunela imali yakho qha heheheh

Interesting article Farai!!! I enjoyed reading the replies too!

P.S. That Summer Loving Vodacom ad irritates the living hell outta me!

Floh
14 Jan 2009 20:37

dont know wat happened to 90% off,they alway talk about. .............Farai, I called them asking about the discount ( yebo4less), and the agent said, its only limited to other places, that means in JHB central where I live . I do not qualify for discounts.

I was praying for month end to to come and change to 4U. U R9.00 balance was only for saying HELLO.

So on my contract phone, I've set R150 limit a month. If its exhausted, no phone calls from me.

Segololo
14 Jan 2009 21:05

ABSA is the worst bank... tjerrrrrr! FNB is better but there are days you wish you could just put your money under the mattress for all the hassles they give...

Food prices must come down, maan!

Mugabe is going nowhere... He is going to be killed just like mobutu or kabila snr... But how much more can the people take? He has ruined everything!

Floh
14 Jan 2009 21:20

Hi Ke-Le-Fa-Bu-Lo-Us nice to see you back.

Sorry Farai for breaking the rulz of 2009

Floh
14 Jan 2009 21:45

I think it's time to swallow my pride and follow King L and open an account with FNB. I am with STD bank, they charge R80 for cheque account, R5 insurance for overdraft. I tried to stop if for four times with no success.

They have a string of bank charges, I added them the other day and they were above R100. with no incontact. Really I have to jump ships.

Lady D
14 Jan 2009 22:35

You don't have to have cards from different stores to build credit history. Who would you trust between a person with accounts everywhere and the one who has no accounts, no credit history, nothing. Credit analysts would mostly favour the one with no history

No Ntando,it does not work that way.I sell cars for a living and trust me if you come to my delaership earning whatever good salary you eran but with zero credit record,the bank will most definately decline you.You are high risk,how can they trust with a loan of R100 000 if they can acess how you manage a Truworths account of R2000 CREDIT LIMIT?yOU DIGG,you dont have to have accounts all over because that on the other hand affects your affordability and equity status.Just manage your accounts respnsible and pay on time,dont wait for the 7TH cause then you will be catagorised as a slow payer and that is not good on your credit scoring.

Firstdvd
15 Jan 2009 02:40

Best article so far ~ Dankie Farai ~ I did learn something here ;-) enjoyed reading y'll replies!

realist
15 Jan 2009 06:26

Ntando: I see we are not done talking just yet. As you can see from the other replies and especially the one from Lady D. Pre this new credit act it was a prerequisite to have a credit history ant that is why I had one an Edgars account. Even now it is still a prerequisite at some of lending institutions.

Cande
15 Jan 2009 07:36

FNB is better but there are days you wish you could just put your money under the mattress for all the hassles they give...

true this, i just wanna put my mani under a mattress...

NtandoN
15 Jan 2009 08:37

Salaam alaikum all, greeting in the name of Allah, the Merciful, the Beneficent.

NtandoN
15 Jan 2009 08:51

realist: Not anymore but it also on the knowledge & experience of the Credit Analyst, I have been involved in credit assessments of vehicle finance, personal loans, home loans & lastly corporate applications.

The credit record is an old rule which doesn't apply anymore at least in my department. One of the old rules also was that a person with a landline would get more points that a person without it.

Most people who works for banks think like bankers not business men, when doing business I still prefer someone who doesn't have a credit record than the one who does. Research has proven that most fraud syndicate would create a credit record so banks can give them more money and then disappear.

felfel
15 Jan 2009 08:52

Beyonce, iHungry Lion is a fried chicken outlet yakwa Shoprite. They have enormous drumsticks and those soft mush "cafe like" chips.

Yha neh, they have those ernomous drumsticks cos they use ibraaipack......gosh i hate braaipack chickens..................

felfel
15 Jan 2009 08:54

He said, she said....blah blah blah............lol, kuzotshona ilanga kaphinde.......

Cande
15 Jan 2009 09:00

but i have seen a friend of mine being turned down for car finance last year because he didn't have any credit record

realist
15 Jan 2009 09:04

Ntando: In that case it makes perfect sense. Problem though is that most consultants especially here in RSA they work according to the book and they cannot use their lateral thinking. Probably that was the reason why my loan was declined by those three banks. For interest sake, would you have granted me loan if I have provided you with the facts mentioned earlier?

NtandoN
15 Jan 2009 09:19

Yes I would have. I have fought with my superiors before and was even worked out of company because I was questioning their credit policies.

A white, indian, coloured person stands a better chance of being approved for finance than a black person with the same qualities yet they talk about banking the un-banked.

If they want a credit history create one let them grant you loan beyond your means, apply for debt counselling, go to ombudsman and sue them.

TheLady
15 Jan 2009 09:21

Yeah Cande, my friend had to open an account too because she had no credit history.

realist
15 Jan 2009 09:27

Makes perfect sense what you are saying. That is what they call in the real world. At least we have you to defend our course.

In that case I rest my case your honour. Nice chatting to you.

Strolicious
15 Jan 2009 09:30

thanks guys i've learned alot ,i dont have any account ngisaba isikoloto,i think i will open just one for future use...

faraimagic
15 Jan 2009 12:54

I wont stop now!.........wat if the country boycot making and receiving calls for a week? will they hear us crying?

faraimagic
02 Dec 2010 14:05

Dr Feel is in the House tell a friend!

Toodecent
02 Dec 2010 14:50

Oh sh!t is the No 1 magicians representer... DR Feel,welcome back vandal.

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