As part of the new enhancements to Zip's pay in 4 product, rather than give you a balance of credit that is then applied to your account we will instead offer you credit at the point of purchase. This means you will be approved for the amount of credit you wish to take up to pay for the item you need. Every time you shop we will follow the same process. Your Zip account will still contain all of your orders and your payment schedules for those orders and you can still make manual payments on orders and add or remove your payment details as you always have done.