Unable to use PayStretch credit despite being an existing Finchoice customer

I have been a Finchoice customer for approximately three years, and I have generally maintained my account responsibly.

Today I attempted to make a purchase using PayJustNow with the PayStretch option, which is managed by Finchoice. I was disappointed to find that my payment could not go through, despite apparently being eligible for the credit.

This situation was extremely frustrating as I was actively trying to complete a purchase, only to be declined at the point of payment. As a result, I had to abandon my entire shopping cart, which was embarrassing and inconvenient, especially as I had trusted that the available credit would be usable when needed.

It is concerning that credit is offered but not reliably usable at the point of transaction. I would appreciate clarity on why this happened and what criteria are used to approve or decline transactions in real time.

I would also like Finchoice to ensure better transparency and reliability in how this service is app****, as it directly affects customer trust and experience.