RCS wants people to be stuck in debt!!

On 7th July my account was de*****ed an amount of R1625. I called in and blocked the card on the same day and they said my account will be refunded. On the 8th again in the early hours of the morning my account was hacked and the cash advance was successful and my money was gone. I only realised this when I got my statement that I realised I had R0 on my account. Fine - I have now sent application to dispute this - I don't understand the documentation required for this as this was an online attack yet copies of my card and signature were required.... I am still waiting for this, I have been told it will take up to 21 days.

1.) I am expected to pay my installment for this month but due to the above, I do not have enough reassurance that this will not happen again.

2.) My other issue is how can an entire available amount be available for a cash advance (***** or not) yet I am not allowed to decrease my overall credit limit from my available balance???? Obviously the so called NCR rule that has been thrown at me in the emails is not being app**** in all scenarios