National Credit Act, 2005 (Act No. 34 of 2005)

Chapter 5 : Consumer Credit Agreements

(1)	Despite any provision to the contrary in a credit agreement, a credit provider may not unilaterally change—

(a)	the period for repayment of the principal debt, except to lengthen it; or

(b)	the manner of calculating the minimum payment due periodically under a credit facility, subject to section 118(4).

(2)	Except as otherwise provided for in section 104, a credit provider must give the consumer written notice of at least five business days of a unilateral change to a credit agreement and in that notice must set out the particulars of the change.