Recently signed up with Spot.
The process wasn't too bad. But they did a credit check and affected my credit rating by 50 points.
Then the first gift card I receieved was $10 instead of sign up amount of $20. Next when they issued the replacement before I even got the chance to use it on Amazon. It was invalidated.
Then comes the call from one of their reps to ask about further information or my account will be frozen. Ask for DOB. Then ask who my employer was. Why would you ask this after someone has already been using your service. I fold the rep I am not comfortable about providing more information and I am cancelling my service. I will call them tomorrow rather than give my details over phone to some random.
This is not a credit card get over it Citibank.
Your dud BNPL sucks. Why on earth are you using same rules and processes of credit card for micro transactions.
So done with Citibank and Spot may your BNPL offering be a big writedown.