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 as you complete orders. For each order you successfully complete without any late payments or refunds (with the exception of Auckland Transport), 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 spend limits. Depending on the retailer, you may be able to purchase something with a higher value than your spend limit online.
If you'd like to decrease your spend limit to limit your spending capabilities with Zip, our team can manually adjust this for you. Get in touch here with details of your preferred spend limit. You'll be able to readjust this back up to your maximum limit on request at any time.