To take advantage of flexing the way you pay, you’ll need to meet our minimum requirements. If you weren’t approved for a flexible payment plan, then you may have a poor credit history or no history at all. After all, we are giving you access to a free spending plan – so our system will need to assess several factors to work out your spending limit. Unfortunately, if you don’t meet them, you will be declined. We’re not trying to be mean, we’re just doing the responsible thing. We truly have your best interests at heart, and we have to ensure that our customers are all geared up to make payments on time.