Border line scam. Seems with apps such as Klarna, Afterpay and zip once you reach a purchase power of 600 thats it not allowed to buy and be approved for anymore payment cards. Customer service was not helpful in any way, saying that it is out of their control that they can't override anything. I've had this app for months and NEVER missed a payment, shoot paid them before they were due and now that it's days before my daughter's birthday I'm now at a loss with these apps. Dont waste your time!