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This term is used to describe a consumer who makes use of credit in various forms. In South Africa, about 25m people are credit active - and over 40% of those or over 10 million are behind by at least 3 months on one of their repayments of at least one line of credit. Consumers owe just less than R2 trillion at any point in time and about R260bn of that is unsecured - meaning it is on credit cards, trade accounts, payday loans and other forms of debt which are not backed by any asset. Obviously, when the economy is in recession the number of consumers with impaired credit records rises.