that's my point
zip t&c's are simple, well understood.
I have no issue zip pay charging a fee for purchases not paid down after 3 months. thats entirely reasonable
overtime I expect them to add more nuance in the way they apply the actual fee... ie risk-based fees using internal customer scores, credit bureau scores. so this way they reward longer tenure customers, esp if they have clean credit histories with zip
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that's my pointzip t&c's are simple, well understood....
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