RCS is a terrible company to deal with

RCS Cards have a cash back feature that you can use when needed that sort of works like a loan with a specified repayment structure, I took out small amounts of about R600, R700 a few times when strapped for cash, now the RCS app has a handy feature that makes the whole process pretty simple and gives you the installment amount, so for instance the R600 that I request specified a monthly repayment of R23 over 36 months, but on my statement they are charging me a minimum of R100 for these cash advances, i called in and asked someone to explain to me how that works to no avail as well as emails with no response, so to put it in perspective that's R100 x 36 = R3600, doesn't really make sense, they have *********** staff and terrible customer service, if ever you are offered products from them just decline, so I am now stuck paying like 4 times their repayment value, this is terrible misrepresentation, because no where does it tell you there is a minimum repayment even on the T's n C's of the cash back feature