Repaying your RCS Store Card balance
Monthly statements list a minimum instalment, total balance, and due date. Pay at least the minimum to remain current; pay the full statement to preserve up to 55 days interest-free treatment on qualifying purchases. RCS Cards (Pty) Ltd (NCRCP38) reports payment behaviour to TransUnion SA and Experian SA under National Credit Act 34 of 2005 rules.
Payment channels
| Method | How it works |
|---|---|
| Debit order | Set up once via app, portal, or consultant; most reliable for on-time settlement |
| EFT | Use internet banking; reference your RCS account number exactly as printed |
| RCS App | Link a debit card and push a payment immediately |
| In-store till | Selected partners (Game, Makro, others) accept account payments at the counter |
| USSD | Dial 120727# from your mobile to view balance and follow payment prompts |
Minimum versus full settlement
Meeting only the minimum keeps the facility open but leaves a revolving balance that accrues contract interest outside any grace window. Clearing the entire statement before the due date avoids purchase interest on eligible retail spend for that cycle.
Early settlement and loan parallels
Section 125 of the National Credit Act grants early settlement rights on qualifying credit agreements, including personal loans marketed from R2,000 to R300,000. Request a settlement quotation before lump-sum closure; fees are capped by NCA regulation and appear on the quote. Store-card early pay-down simply reduces the outstanding balance—no separate "loan term" applies.
Arrears, fees, and hardship
Missed due dates trigger late fees and additional interest per your signed agreement—not generic foreign consumer statutes. Prolongation is not a standard store-card feature; contact 0861 729 727 before the due date if you foresee difficulty so consultants can discuss rearrangement or hardship options permitted under NCA debt intervention frameworks.
Confirmation habit
Retain EFT proof for three months. If a debit order fails, retry immediately to limit bureau damage and penalty stacking.
