With ‘Little things’ you can buy as many items as you like – as long as you stay within your limit. As you buy stuff the amount you have to spend – we call it ‘available spend’ – goes down. And of course, as you repay, that ‘available spend’ figure goes back up again. For ‘Big things’, available spend can also be bumped back up based on your Terms & Conditions. Just note, a Repeat Purchase fee of $22 is payable on additional buys.

Let’s be clear and set your mind at ease on this one. Your credit score may be checked when you sign up to humm. But don’t worry, this won’t affect your credit score or leave a record on your credit file.