Hi! It sounds like you have a new Four account with an $1800 credit limit but it’s showing a zero spending limit, is that right? I want to help get this sorted for you.

Just to clarify a couple of things first:
- When you say zero spending limit, do you mean that when you try to make a purchase, the app says you have no available spending power?
- Have you already made any purchases or linked your bank account fully in the app?
- Is this happening with all retailers or just specific ones?

Meanwhile, here’s what can sometimes cause this issue and how you can check:

1. Account Verification: New accounts sometimes need additional verification or manual review before the spending limit activates. Make sure all your account details and bank info are fully verified.

2. Pending Authorizations: If there are any pending transactions or holds on your account, it may temporarily reduce your available spend limit.

3. App Refresh/Logout: Try logging out of the app and logging back in, and also ensure the app is updated to the latest version.

4. Link Status: Confirm your bank account is linked properly without any errors.

5. Four Account Status: Occasionally, there can be backend delays or technical issues affecting the spending power display. These have been reported by other users recently in community forums.

If you’ve done these and are still seeing zero spending power despite your credit limit, I recommend contacting Four support directly at [email protected]. They can check your account specifics and resolve backend issues.

Would you like me to guide you through checking any of these steps on your iPhone right now? And, just to be sure, which version of the Four app are you using?

I have an $1800 credit limit and a ZERO spending limit. Ridiculous. New account t and i owe nothing!