Not able to use the app or Virtual Card. Account is paid in full but they claim its based on the "algorithm". It's a bunch of bull if you ask me. It was good while it lasted. Don't waste your time downloading, because they won't allow you to place orders anyway. & it takes WEEKS to MONTHS for a response from the support team. When you chat, all they do is give generic answers. Once it's been escalated, you won't hear back from them for a while. Horrible app! Great concept. Poor execution. Beware