You can easily and quickly apply for a Capitec Credit Card using their official website and filling out a request form. You can also apply by downloading Capitec’s mobile app and creating an account, or you can visit a local branch with the required documentation and apply in person with your account manager.

Yes, you can still apply for a Capitec Credit Card even if you’re blacklisted, so long as you meet Capitec’s qualifying criteria. Keep in mind that your credit risk profile is a determining factor as to how much credit you’ll qualify and what your interest rate will be. Being on a blacklist will not disqualify your application, but will likely reduce your odds for approval.

Capitec offers all cardholders up to 55 interest-free days, but it’s important to settle your monthly balance well before its due date. To pay your balance, you can use Capitec’s online banking features or their intuitive mobile app.