After 2 or 3 years, branch decided to drop me. Always paid them back, never gave them an issue, and I even have a debit card with them. Why? In a statement they have me they said they were "moving forward" With what? Don't ever use this app unless you want to be treated like a credit risk. I've had the same job for 22 years and never missed a payment, but apparently that's not good enough for branch. The debit card I have with them is totally useless now. Take my advice, don't be a victim.