Share knowledge. Find answers. Ask questions.

Community blog

Read our latest news and views and get to know us better

Four ways you can manage your debt
Community Coordinator
Read more blogs in

Four ways you can manage your debt


Tired of living for payday? Reduction in income? Increased monthly Expenses? Recently lost your job?

All of the above can cause panic and stress as month end approaches and debt payments become due. When you are desperate, taking out debt to pay for debt may seem like an easy solution but may soon land you in hot waters with your Creditors.

Here are just some of the effective solutions Standard Bank offers that could help you manage your debts:

Payment arrangements
Debt Consolidation
Respread of your arrears
Payment Holiday

Do I need to manage my debts better?

Before diving into an explanation of the above offerings, it is important to ask yourself the question, “Can I manage my debts better”?

Very often we answer the question in the negative, thinking we are able to meet our debts easily. Simply because I can afford to make payment on my Home Loan, Vehicle Finance, Personal Loans and other credit obligations does not necessarily mean I am managing my debts properly. Management of debt is not only for those that have recently had a reduction in income or lost their employment. It is for everyone. That is, unless you are one of the select few that do not want to have more money at the end of the month.

What can I do if I need to manage my debts better?

The first step is to recognize whether or not I would like to manage my debts better because I want more money to live comfortably at the end of the month, or whether I need more money to make sure I get out of the cycle of credit that I am currently stuck in.

Should it be the latter option, then read on to better understand some of the offerings Standard Bank has to assist you.

What is a payment arrangement?

A lower instalment is when an arrangement to pay off your debt over a longer period is agreed between yourself and the Bank. This helps free up some cash which can then be used for your other financial commitments. So, before panicking and letting your accounts become overdue, speak to us and we’ll do what we can to keep you in your home.

Want to find out how to find out how to get a lower instalment on your debt? Chat to one of our bankers by clicking on

What is Debt Consolidation?

This is an option that enables you to combine various debts into a single manageable account. Instead of making payments on various accounts with various interest rates, why not pay a single amount at a single interest rate? You save and prevent going overdue with any of your credit obligations.

To determine if your qualify for a debt consolidation, chat to one of our bankers by click on
What is a respread of arrears?

A respread of arrears is possible if you contact us early enough. If you are overdue by a small amount, contact us and we can possibly assist you in removing your arrears and adding it to our outstanding balance and extending your repayment term. You are then out of arrears and could also be paying an amount less than previously.

What could be better? If you are in arrears and interested in a respread of arrears, chat to one of our bankers by clicking on

What is a payment holiday?

A payment holiday is an option that allows you to take a break from your repayments on a credit agreement for a period of one to three months. During this time, you can save your money and sort out your other credit commitments.

Instead of ignoring an overdue account, chat to us and determine if you qualify for a payment holiday? It’s simple, simply click on

Read more blogs in

I'm a 29 year old, i took out debt recklessy before and could not pay my debts. I cant get credit anywhere. i want to get away with that as a need a house, so as a standard bank client how can you assist me because the credit bureau has a total of R65000 that im owing different institutions. i'm earning a net salary of R15000 monthly. Please assist.


i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Bellevue. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone for jobs online where i got an advert on Hackers advertising a Blank ATM card which can be used to hack any ATM Machine all over the world, i never thought this could be real because most advert on the internet are based on fraud, so i decided to give this a try and look where it will lead me to if it can change my life for good. i contacted this hackers and they told me they are from Australia and also they have branch all over the world in which they use in developing there ATM CARDS, this is real and not a scam it have help me out. to cut the story short this men who were geeks and also experts at ATM repairs, programming and execution who taught me various tips and tricks about breaking into an ATM Machine with a Blank ATM card. i applied for the Blank ATM card and it was delivered to me within 3 days and i did as i was told to and today my life have change from a street walker to my house, there is no ATM MACHINES this BLANK ATM CARD CAN penetrate into it because it have been programmed with various tools and software before it will be send to you. my life have really change and i want to share this to the world, i know this is illegal but also a smart way of living comfortable because the government cannot help us so we have to help our self. if you also want this BLANK ATM CARD i want you to email for help.


Maxcroft Finance is private and a digital finance company providing short and long term credit to consumers and businesses. We have since provided millions of small and big loans to customers in most part of the world. Maxcroft Finance aim is to provide an online and mobile finance alternative to the old world of high street banks and traditional high street lenders. Our services are simple, transparent and flexible. Please Email us at:

Linda Oscar

I got my already programmed and blanked ATM card to withdraw the maximum of $10,000 daily for a maximum of 30 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MR Christopher is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email On

Mr Joel
I got my already programmed and blank ATM card to withdraw the maximum of $2 000 00 daily for a maximum of 30 days. I am so happy about this because i got mine last week and I have used it to get $60 000 00. MR OMON is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the ATM cards. And no one gets caught when using the card. Get yours from her. By send her an email on:
Daan Sophia


Life indeed is GRACE, I'am Daan Sophia currently in California USA. I would like to share my experience with you guys on how I got a loan of $185,000.00 USD to clear my bank draft and start up a new business. It all started when i lost my home and belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested although i was scared of being scammed, I was compelled by my situation and had no choice than to seek advise from my friend regarding this very company and was given their contact number, getting intouch with them really made me skeptical due to my past experience with online lenders, little did i know this very Company "PROGRESSIVE LOAN INC. was a godsent to me and my family and the entire Internet World, this company has been of great help to me and some of my colleague and today am a proud owner of well organized business and responsibilities are well handled all thanks to Josef Lewis of ( So if really you are genuinely in need of a loan either to expand or start up your own business or in any form of financial difficulty, i advise you give Mr Josef Lewis of Progressive loan the opportunity of financial upliftment in your life Email: OR Call/Text +1(603) 786-7565 and not fall victim of online scam in the name of getting a loan. thanks