Hi great post! Just out of question, I saw ur The iPhone post on the other forum, is it possible to use the Level 3: Veteran method on Apple pay as well, to build credibility, eventually being able to pay in higher ballances, because I had a phone with multiple victims card on the phone from uk but I found it struggleing to do any large purchases it offten get's declined. Is it because of low credibility or is it just how apple pay works like that ?