CAN A credit provider take a consumer’s ID or cards when granting credit? This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers.
However, in terms of the National Credit Act, it is illegal for credit providers to retain consumers’ instruments such as identity documents (IDs), and bank cards when granting credit, and all credit providers illegally in possession of consumers’ personal instruments need to return them to the rightful owners.
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