If Pay in 4 equal payments is not available, you may be offered an alternative Pay in 4 payment option with a higher first installment, instead of 4 equal payments.

This can happen because the order amount exceeded your spending limit, however, other credit factors are also assessed.

Good to know:

• Our Customer Service is not able to increase your spending limit nor has further information about the automated assessment.

• When selecting Pay in 4 as your payment plan on One-time cards there is a service fee charged together with the first payment.

• If you would prefer a payment plan of 4 equal payments, always ensure the total order amount is within your spending limit.

• If the order amount exceeds your spending limit and you are offered an adjusted payment plan with a higher first installment amount – accept the offer in the checkout.

• How much can I spend?