In effect, Cotton On Credit is a store credit card designed not for customers of a single store, but for a network of such stores. Currently, the group of stores that accept this card are Cotton On, Typo, Factorie, Cotton On Kids, and Cotton On Body. All are clothing stores that cater to very specific segments of fashion and style. Currently, it is only possible to use this card in sales units in South Africa.

In fact, vouchers are numbers and letters of promotional codes that you can use when shopping online or in-store to get discounts. Whenever you receive a voucher, this code is sent to the email you registered in your profile in the rewards program for that card. If you prefer, you can access your account at Cotton On website and check your available vouchers. I have not used the full value of my voucher on a purchase.

Unfortunately, each voucher can only be used once, regardless of whether or not the value of that voucher has been fully used. Therefore, if you use a voucher worth R200 to get an R100 discount on any purchase, the unused R100 in your voucher will be forfeited and cannot be reused on future purchases. In addition, you will be notified via email whenever a voucher is about to expire.