Won't approve any of my purchases or allow me to have a zip account. They say they assess your purchase history, but won't tell you why you're being denied or what purchase history they're assessing. This app is SUPER shady and I highly recommend not using it. Every support person I've talked to just makes me more suspicious of the information they have on me. I don't have any negative purchase history that I can think of... So I have no idea what they're basing my denial off of. Horrible.