God forbid u have a problem: trying to communicate is horrible because 1) most of the chat screen disappears at the bottom of your screen, (tried multiple phones, friends have had the issue as well).2) NO promised followup on email. I've been trying to dispute a charge, the rep obviously wanted to move on so was told it would be continued on email and of course there was no follow-up by the rep. So it's a great way to move money but if you have a problem it is horrible- appwise & people wise.