Used the app for years. Had them drop my loan amount from to $100 with no warning. I tried to figure out why but the only information is vague, nothing that applies to me. I've had it for some time and was relying on it during the holidays only to have it fail me when I needed it most. Edit: no, it's not based on anything on my end. I make more now than I did last year and I'm still at $100 max. Time for a new app. Y'all don't need to have loyalty for long term customers, nobody does anymore.