Bad experience

I am so disappointed that retail store like Cori Craft fails to advise it card holders customers that they actually actually acting as an Agent on behalf of another party. The frustration is that you go into a Cori Craft Store and when you query your account, they refer you to call RSC and they don't even bother to assist you with calling them.

I had my balance on the Cori Craft paid off. 3 to 4 months later I receive a call from RSC to say my account is arrears. When I ask for what since I have paid out for outstanding balance, I am told, is for the interest and service fee. I asked that I don't understand why my account is generating interest when it has been paid off as my understanding is that, interest are changed on outstanding balance. while I am told with their service, you pay interest even if you dont have a balance owing. How is this possible? I am told I need to call and ask for a settlement amount and have the account closed. I eventually get the settlement amount but i do not pay on the day i had agreed that i will pay as i had other commitment. I am told once i have paid, i need to call them again and ask them to close the account as sometimes the stores which is Cori Craft whom i have a contractually relationship with sometimes forgets to inform them to close the account which then means i will continue generating interest. what an inconvenient and the administration process for this provider.

I eventually got around to go pay the account and I really the message at the store (Cori Craft) that RSC representative indicate that you must inform them of my wish to close the account. They now tell me I need to call RSC myself and close the account and as they also don't understand why my account generates interest when there is no balance owing and why I need to close the account to avoid being charged interest.

The interest amount I owned was R129,44 which needed to be paid by the 6th of November 2017. Saturday 11 November I went to the store and paid R130. When I call RSC to close my account, I am told the settlement amount given was only valid for one day. So if i couldnt pay on that day arranged , the settlement amount is no longer valid. I have to call again to get a new settlement account. So now I am told my balance was no longer R129, it is now R181,64. So in less than 5 day, I have accumulated more than R50 of additional interest and service fee? Is this even possible.

Now I don't understanding the relationship between this two, but they are frustrating the living out of us. I had to swear and shout at the poor agent who probably had nothing to do with this all because of the poor relationship management and lack of accountable. If indeed Cori Craft is an agent, what is stopping RSC to communicate with the customers once they see that they have opened account to clearly clarify the terms and conditions of the contractual relationship.

I am typing this message super annoying as I am told I still need to go pay the difference of R75. I cannot do an EFT because it takes 5 working days to reflect, so I will continue owing them money. I told the agent I will not be able to do it today, she tells me then i need to call again tomorrow to get a new settlement amount. Their lack of partnership in accommodating their customers and the *******.

I am mostly disappointing in Cori Craft, as I did not expect such services from them.

Disappointed Customer.