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 a number of factors to work out your spending limit. Unfortunately, if you don’t meet them, you will be declined. It’s not that we’re being mean, just responsible. We actually have your best interests at heart, and we need to make sure our customers are all geared up to make payments on time.