I want to increase my spend limit
As your complete orders successfully without any late payments or refunds (with the exception of Auckland Transport), you may become eligible for increases.
Zip will run a credit check to assess your credit score to determine whether a credit limit increase can be provided.
- This type of check will not impact your credit score.
- These checks will not be visible to other lenders.
To learn more about your Credit Score and credit history, please get in touch with Centrix.
I want to decrease my spend limit
At Zip, we’re committed to responsible lending practices and strive to meet our customers' needs within our credit portfolio. We regularly review our customers' information, including how frequently they make their payments on time and the number of purchases they’ve made, to ensure that the credit limits they have are manageable and one they can comfortably afford.
If your credit limit has been reduced, this is the result of a recent evaluation of your account given overdue payments. Please note that this decision cannot be changed at this time.
We will aim to notify you of any decreases as they occur.
Please note: If you miss or default on your Zip payments your limit will gradually decrease, so please make sure you pay on time.
If you'd like to cap your spend limit to limit your spending capabilities with Zip, our team can manually adjust this for you.