Annexure B
    7.1.13
    Annexure B
    p. 42

    Multiple cellular phones

      Multiple cellular phones are not required (indicate if contracts) and consumers should be encouraged to switch to less expensive contracts or pre-paid when contracts expire.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Where more than one contract exists per adult, the surplus contracts are excluded from the budget. The consumer is expected to downgrade or cancel at the next contract anniversary.

    Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

    Cite this clause

    National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 7.1.13: Multiple cellular phones. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 42.

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    Based on NCR Guideline 001/2015, p. 42. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.