I have had Zip for 3 years, and just before Christmas, my credit limit was decreased from $2000 to $1500 without my written consent, (they claimed it was a business to reduce the limit) this placing my account in a negative balance. I was offered to apply for Zip Plus, I submitted the application, and within 30 seconds my application was declined, they claimed that it was due to poor payment history, I never missed a payment and I have proof of this, I had made extra payments. But they did not reduce the repayment amount. I have been fighting with them since December 2023 to have my account fully back to the $2000 or upgrade me to the Zip Plus, but no they still say that I have poor payment history, I will provide anyone a copy of my payments. I have even supplied bank account statements, credit reports ect but still no go. I requested some statements for my account, along with these statements I received a full bank statement from another Zip customer who lives in Darwin attached to my email, how many other times has this happened? Personal, I do not trust Zip if you do use them please be careful.