At the time of sign-up, we run a credit check with the credit bureau Centrix. Your Zip spend limit is a direct reflection of the credit score we receive back from Centrix along with your repayment history. For each order you successfully complete without any defaults or late payments, your spend limit will increase by $50, up to a maximum of $1000 ($1500 for those with very high credit scores).
Unfortunately, we are not able to manually increase or decrease spend limits. Depending on the retailer, you may be able to purchase something with a higher value than your spend limit.