I MISSSSSSS QUADPAY!!!! I HATE IT HERE!!!! IDK WHY ZIP EVEN TOOK OVER,,, THEY NEED TO ZIP ON OUT OF HERE ASAP!!!!! I'VE BEEN USING THIS APP FOR A FEW YEARS NOW, MAINLY WHEN IT WAS QUADPAY,, AND I NEVER HAD ANY ISSUES,,, I NORMALLY USE IT AROUND SPRING TIME,,, BACK TO SCHOOL TIME, AND CHRISTMAS,, ALWAYS MAKE MY PAYMENTS,, AND IF MY DUE DATE HAPPENED TO HAVE FALLEN ON A DAY THAT DIDN'T LINE UP WITH MY PAYDAY, THEY FIXED IT & ALWAYS INCREASED MY CREDIT LIMIT!!! BUT NOT ZIP, THEY DONT VALUE LOYALTY!