The bank froze my account on black Friday due to multiple purchases, they put a fraud hold on my card. During this time my zip payment came out and was declined. I received a late payment of $7.00. I contacted Zip and explained my situation, told them I just had to call the bank Monday and it would be fine. They refused to take the late payment off. I've never been late with a payment before. After I pay this off I will delete this App!