Can you build credit without a full-time job? The answer is yes. A common myth is that you need a full-time job to have a credit score. But that’s not true, especially in South Africa. Whether you’re a student, freelancer, part-timer, or in-between gigs, there are safe and simple ways to start building credit today.

Here’s How to Do It

1. Open a store account or mobile plan

Retailers and mobile networks often offer entry-level credit options with low limits, even if you don’t earn a full salary.

Tip: Always pay the full amount by the due date to build positive history.

2. Be added as a secondary user on a family member’s account

If someone close to you has good credit, they may be able to add you to their credit card or account.

Tip: Their payment behaviour will influence your score too, so make sure they’re responsible.

3. Use debit orders or stop orders to build a repayment track record

Even though these don’t directly build credit, they train you to manage regular payments which helps once you do get credit.

Bonus: Financial institutions look favourably on good banking behaviour.

4. Start small and stay consistent

It’s better to manage R500 well than to misuse R5,000. Start with what you qualify for and build slowly.

Tip: Avoid applying for too much credit too quickly, it can lower your score.

Start Where You Are

Your job title doesn’t define your credit future. By starting small, paying on time, and checking your credit profile often, you’ll lay the foundation for long-term financial strength.

Splendi makes it easy to track your credit profile and grow your score. No salary is required.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. Splendi does not provide personalised financial, investment, legal, or tax advice. Always consult with a qualified financial advisor for guidance tailored to your individual circumstances.