When you sign up to pay your bills with Deferit, we consider a number of factors to make sure you're able to meet your repayments responsibly. In some cases, as a new user, we may determine that we need to get to know you a little better before the "Pay in 4" feature can be unlocked.
When this happens you will need to pay 3 bills upfront using the "Pay in 1" feature in order to unlock and activate your balance, with these 3 bills having a combined value of greater than $150. Once these 3 bills have been paid your account will receive a $200 balance.