Read until the end: I was pleased with this service until about a week ago and they decreased my credit limit for absolutely nothing! I have paid off everything on time, but I think that this is the problem! They only offer large limits to risky clients, so they can make money off of intrest!!! That is shady!!! I saw a news story about these buy now, pay later companies and the new debt on Americans! I will just buy my stuff outright!!!