I used to LOVE zip but after paying off my orders early, now I can't use it at all. I contacted customer service & was treated like I was an idiot. The rep didn't care what so ever, didn't answer any of my questions and continually told me they couldn't do anything. Absolutely, one of the worst customer service experiences I've had. Tried numerous times to explain & get an explanation with absolutely zero resolution. Went from spending hundreds with zip, to exactly that, zip. Oh well.