Cards FAQ

Frequently Asked Questions

Who is RCS?

RCS is a registered consumer finance and financial services provider that offers financial services to suit your lifestyle needs – including cards, loans and insurance.

Where can I apply for an RCS Card?

You can apply for an RCS Card at selected retailers nationwide or via the online application form.

How can I apply?

To apply for an RCS Card you must:


be 18 years or older
have a valid South African ID or driver’s licence
be employed and earn R1000 or more per month
provide your latest three months’ payslips or bank statements at time of application

How much credit can I get?

Based on your individual circumstances, you may be granted credit ranging from R1,000 to R40,000.

How will you determine whether or not I qualify for an RCS Card?

As a registered credit and authorised financial services provider, RCS is governed by the National Credit Act in assessing whether we can provide you with credit. We will conduct an assessment which uses your credit score (this provides us with your credit history and tells us how well you have been managing all your credit in the past), as well as your income and expenses. Based on this information, we will determine whether we can grant you credit at this time.

Where can I use my RCS Card?

Your RCS Card gives you access to South Africa’s largest independent shopping network. Our network includes over 21 000 stores – and that means you can shop for the brands you love. Just look out for the RCS logo to see where the RCS Card is accepted. Click here for more information about our shopping network.

How much will my RCS Card cost me?

Based on your individual assessment, you will be charged a monthly service fee for the management of your account and interest, in accordance with National Credit Act (NCA) regulations. Please note that you will also be charged a once-off initiation fee. After that, you will be charged your monthly service, insurance premium, and interest if you have a balance outstanding.

How and where do I pay my account?

You’ll receive a monthly statement showing your balance and amount due. You can pay at selected stores, by debit order, via EFT or online via our Self Service portal.
If you would like to pay by debit order, simply complete the debit order section of the application form or call us on 0861 SAY RCS (0861 729 727).

What if I can’t pay my monthly instalment?

Give us a call on 0861 SAY RCS (0861 729 727), and we will try to assist you in finding a solution that meets your needs.

How can I check my balance?

That’s easy. You’ll find your balance by:


Logging onto our Self Service portal and selecting “Available Credit”
Dialling *120*727*card number*# (use your 19-digit card number) on your mobile phone, at a cost of 20c per enquiry
Checking your monthly statement

What is Self Service?

RCS Self Service allows you to manage your account in your own time and at your convenience. There’s no need to call or queue – your account information is right at your fingertips.


You can access our Self Service portal here or by downloading the RCS Card App (available for download at selected App Stores)


Self Service features include:

 

  • Checking your available balance
  • Accessing your past 6 months’ statements
  • Opting to receive e-statements
  • Changing your email address
  • Paying your account

What if I lose my card?

Report your lost card to us immediately, by simply calling 0861 SAY RCS (0861 729 727). Please have your card number and ID number ready.


For your protection, we will block your card until you’ve visited one of our selected RCS partner stores to collect a new one. A nominal fee will be charged for the replacement.


Remember that we can only protect you from fraud once you have let us know that your card is missing. You’ll be responsible for any expenses that are incurred until you have contacted us to cancel your card.


Our operating hours are 8am to 7pm (Monday to Friday), 8am to 6pm (Saturday) and 9am to 5pm (Sunday).

What If I have a dispute on my card?

To dispute a transaction on your RCS account, let us know immediately by calling us on 0861 775 522. Please have your card number and ID number handy.


For your protection, your card will be blocked until you’ve visited one of our selected partner stores to collect a new one.


You’ll then need to complete a Dispute Form, and send it to us along with the following documents:


Dispute Form, completed, signed and commissioned by a Commissioner of Oaths (this can be done at your nearest Police Station, Post Office or Bank)
3 sample signatures
Copy of your ID document
If the card is still in your possession, a copy of the front and back of your card


Please send those documents to us via email or fax on +27 21 597 4548.


Our operating hours are 8am to 10pm (Monday to Friday), 8am to 9pm (Saturday) and 9am to 7pm (Sunday).

What is Customer Protection Insurance?

Customer Protection Insurance (CPI) is insurance cover that will cover your outstanding balance (or a portion of the outstanding balance) in the event of death, permanent disability, temporary disability or loss of income. Please see our Terms and Conditions for more information.

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