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Here are five of the biggest things South Africans buy on credit in January. Number five, on the January credit pain list, is clothes and shoes. Think school shoes, work shirts, and that “just one” outfit for back-to-work. Store cards make it feel cheap now, but the bill hits for months. Number four, on the January credit pain list, is transport. Petrol, taxis, and e-hailing still have to be paid so you can get to work. When cash runs out, the card keeps the car moving. Number three, on the Janu

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