**** or not?

My Sanlam Wealth bonus must be paid out for the first time. When the credit card was “sold” to me, the person briefly spoke about it, but no details. After investigating a bit, I realized they should have asked me when I wanted this paid and also taken my banking details, however, they never did. I phoned, but the lady on the phone said she could not assist, I must send an email advising them when I want it and attach my banking details. I’ve done so, it took forever to get an answer. Eventually, I got an e-mail, and they requested my banking details once again and I sent it again. On the 30th of Jan, I got an e-mail saying they usually pay January/February, but if it is not paid by the end of the first week in February, I should enquire again. I enquired at the end of the second week, I got an email on the 13th of February saying that there is a delay, but it will be in February. On the 14th of February, I got another email saying there was no specific date for the payment, and they apologized for the inconvenience. I am beginning to wonder if this is a ****, because this service to very bad. I don’t think one should “buy” into the promises of a Sanlam credit card or anything regarding RCS.