Worst Customer Experience

We have a card that you we got from sportscene , you can buy from foschini, exact & other partners. But this is the worse experience ever. If you would like to purchase a specific item you have to sometimes pay cash & pay an instalment monthly. In my mind the reason you buy on an account because you dont have cash available, I never come across something like this. Everytime its just a bad experience in the store... just wanna pay this thing & get it done with..Never a good experience.