NON-DISCLOSURE AND INCOMPETANCE

I app**** for a store card in November 2015. I was phoned by four different operators at RCS, confirming the same details over and over. I eventually went in to the store , and got the application and card and contract.<br> NEVER was it mentioned to me that this is considered a CREDIT CARD as it is RCS card, and NEVER was it disclosed to me that if your bank account is in Overdraft even with 1cent, that the debit order will not be processed. My first payment was due1 March 2016 for R120. I phoned in on the 2nd March to confirm that the debit order will go off as I did not see the deduction from my account, and I was told it has gone off by the operator.Today 7 March, I received an sms stating my account has not been paid? I phoned in and was told that my debit order bounced back, this will show on my ITC record now. When I called again, I was told that if your bank account is in overdraft the debit orders are rejected?<br> This is RIDICULOUS as no other credit provider does this, and this was NOT DISCLOSED and is against the NCA.<br> I have made a payment to their account and need to confirm payment was received by RCS URGENTLY. <br> I want to settle in full and close my account IMMEDIATELY