Money reserved the whole month

Initially Float reserves the full amount from your card which means although it is not a charge you are still unable to use the money until they reverse the reserve when the instalment goes off. My issue is that the amount is reserved for the entire month (from the 9th for me up until the 1st of the following month when the instalment is actually charged). Let me make an example. In the first month 12k was reserved when I made the purchase and 10k was returned when the first instalment of 2k was charged on the 1st of the next month. This meant I spent a whole month unable to use the 12k they reserved. The following month 10k was reserved for the entire month from the 9th until 2k was charged and the 8k was returned to me at the beginning of the next month. It defeats the purpose of buying something on an instalment plan if you won’t be able to access your money. If you can live without 12k for a whole month then you would’ve just bought the items cash. The inconvenience of this happening every month is super annoying. The worst part is that in their terms and conditions they do not explain that they will be reserving the money the whole month. They simply just say it will be reserved. They need a new strategy. Would highly not recommend. Rather use pay just now or any other option that truly functions the way credit should.