MAKRO RCS Credit Card- EXTREMELY BAD SERVICE & Customer Insurance disappointment

I made the HUGE mistake by opening up a Makro RCS account 1 year ago. Seeing that it is actually like a credit card I pay a fee of R130 a month for customer insurance protection which SHOULD cover you in the event of loss of income! That is a lie! They make it impossible for you to claim any benefits promised to you.

Covid 19 Lockdown happened 25 March 2020 and they did not inform me of any Covid relief benefits. I had to email numerous times for help. Eventually came across it on the website which is reasonable. I put a claim in for loss of income on 27 APRIL 2020 and have not been helped since!!! Everything I eventually get in contact with customer service they have excuses like... we are still waiting on documents or the claim is still pending. It is now 29 SEPTEMBER 2020 and still no help or claim put through. HOW????? How is this possible and why do they charge you R130 per month for insurance if they have no intention of helping you out in an event like this? I AM EXTREMELY DISAPPOINTED IN THE WAY I AM TREATED! They even call me and SMS me on a daily basis to remind and follow up on when can I make payment. How should I do that? I really just want to close my account and never support them ever again and definitely do not want to pay anything! Not just because I can't afford it but out of principal!