You may be wondering if someone else can use your TFG (The Foschini Group) account if you have one in South Africa. Perhaps you’re thinking about allowing a friend or relative to use your account to make an urgent purchase. Even while the concept might appear innocuous, there are several crucial details to be aware of before transferring your TFG credit.
Understanding How TFG Accounts Work
A TFG account is a store account that allows you to shop on credit at over 20 popular brands under The Foschini Group umbrella, such as Foschini, Markham, @home, Totalsports, and more. When you open a TFG account, you agree to a credit agreement governed by the National Credit Act of South Africa. This agreement is legally binding and applies only to you — the person whose name appears on the account.
So, Can Someone Else Use My TFG Account?
Technically, no. Your TFG account is non-transferable, which means only you, as the account holder, are allowed to make purchases using that credit. According to TFG’s terms and conditions, the account is for personal use only and cannot be used by others unless explicitly authorized through proper channels.
Letting someone else use your account — even a trusted family member — can be risky. Here’s why:
The Risks of Sharing Your TFG Account
- You’re Liable for All Purchases
Even if someone else makes the purchase, you’re still 100% responsible for paying it off. If they don’t pay you back, it’s your credit score that takes the hit. - Fraud & Misuse
If your account is used without proper permission or documentation, it could be flagged for fraudulent activity. That could result in your account being suspended or closed. - It Violates the TFG Agreement
Sharing your account may be a direct breach of the TFG terms, and TFG has the right to take legal action or blacklist your account if there’s any abuse. - Your Credit Score Could Suffer
Missed payments, overspending, or poor usage by someone else could hurt your credit rating, which affects your ability to get loans, buy a car, or even rent property in the future.
Are There Any Exceptions?
If you want someone else to be able to use your account, you can contact TFG Customer Services and inquire about adding an authorised user — if the policy allows it. However, this is not always guaranteed, and there may be strict guidelines or identity verification processes involved.
What’s the Best Option?
If a friend or family member wants to make a purchase through TFG stores:
- Offer to go with them and use your card yourself.
- Alternatively, let them send you the money first, and then you can buy the item in your name.
- If they frequently need access, encourage them to open their own TFG account.
Final Thoughts
While it might seem convenient to let someone else use your TFG account, doing so could lead to serious financial and legal consequences. Protect your credit and identity by keeping your account secure and using it responsibly. If you’re ever unsure about what’s allowed, it’s best to reach out directly to TFG for clarity.