Ann: Q2 FY21 Quarterly Activities Report (App 4C), page-75

Just a reminder squid, they still deduct the full amount from your limit, I have a very high limit and rarely go above 20% so a $5k purchase over 5 months would reduce your available balance by $5k in month 1, $4k in month 2 etc (assuming you pay in full every month). There is no reason why, with spare cash you can't pay extra on your card or log into SPT site and pay off the repayment sooner if yo approach your limit.

Totally agree with having a retailer search on their website, they have promoted retailers here https://www.splitit.com/store-directory/ but not up to date, just checked and the retailer I used was not listed.