I've been using this app for almost a year and consistently paid my orders on time yet remained with the same $300 spending limit. I got a message from the app that said it would increase my limit to $800 once my 3 open orders were paid. I followed up with a Zip Rep who confirmed it would be applied within 13 days. Of course, that increase didnt happen 😡 and these people quickly recite a script explaining about an algorithm to tell me no. Overall, Klarna/Afterpay/Sezzle better choices.