Makro credit by RCS is bad

Stay away from Makro credit by RCS. Too many interest, fees charges etc. you’ll think you’re close to paying off the credit only for it to be reduced my monthly fees places you don’t even understand. It’s my first credit with Makro, not sure if all work the same, if not stay away from Makro credit by RCS. That time some of product I returned by March I am still not refunded for. I’m paying all these fees for an item that was sent back which I am still not refunded for. Never doing business again with Makro.