APT Margin Transaction Losses, page-87

does Zip pay ban your account immediately if you miss a single payment? If you read their statements, they are more lenient. That’s the problem with Zip. While with Afterpay, if you miss a single payment, you can still continue to pay it up but once your done with the fees and your balance, it will automatically shut your account and consider you as a bad customer. Now ask yourself, who do you think manages bad debt better? Like throwing a dart or a business; 6/7 out of 10 are your chances of hitting the board. Same as with good or bad paying customers. In the long run, the more you retain good customers. The larger your good payers are and more income stream coming. All imo, gltah.