I placed an order and was approved... received my item, made my initial payment, and everything seemed fine. However, when I logged into my account, I discovered my balance was $187.00 higher than my receipt total. I called customer service to address the discrepancy, but the representative claimed I had exceeded my purchasing power, which was incorrect. After explaining the issue, I was asked to send a screenshot of the receipt. I received instructions via email but before I could respond, the rep hung up. I sent the email anyway. Later, I got a message saying adjustments were made to my account, which indeed happened. The service accepted the total from my receipt and shortened the repayment period by refunding three payments. However, they also adjusted the credit for my initial payment, adding part of it to my balance. When I called back, another representative explained that a transaction fee was the reason for this adjustment. Interestingly, she mentioned that transaction fees are included in each payment, so I questioned why it was deducted from my initial payment and added to my balance. After some back and forth, she escalated the issue to her supervisor. While the transaction fee was waived, it wasn't credited back to my initial payment amount. Thus, even after making a full payment from my bank account, I was credited only for the initial payment minus the fee, while the full payment was charged. I don't plan to use or recommend this service in the future.
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Founded in Australia in 2013, our mission is to be the first payment choice, everywhere and every day. We give consumers, merchants and businesses around the world access to transparent, flexible and interest-free credit.
We exist to create a world where people can live fearlessly today, knowing they're in control of tomorrow. Disrupting the broken credit card model, we put the financial well-being of our customers and merchants at the centre of everything that we do.See more
