Hi, no Sexy_Ally is correct, the credits arent yours if we have already paid out on them, and as its dailypay it would be unlikely the credits are still the members.
Eg, if you work on a Monday and earn 100 credits, we pay you on Tuesday but the credits may not leave the account for a few days, so if on Wednesday you then feature yourself for 30 credits you have then just spent 30 credits of my money coming from my pocket.
Sexy_ally is also correct that it costs us money to leave credits on the account, from her example, if we cannot use that £4000 worth of credits to "re-invest" in the dailypay scheme we are losing profits, basically its a cashflow bottle neck which is probably the most common cause for businesses going bust.
General info: The "leave 10 credits on account" option is still in beta, this is why its not been advertised yet, its about 95% effective (change your username and it stops working).
Thanks
Add: if you buy 10 credits and spend 6 of them, the next day we send the other 4 credits to your bank as the credits are categorised as earnings/income in the eyes of the software. Not sure if this is a good or bad thing but its a rarity so I havent looked into it too much.
Landline - 02080508019 12midday - 2pm Mon - Fri - feel free to call us.