Worst app. Worst phone service. Just hangs up on you. It will ask you to say what you need, then to repeat yourself then when you say no that's not what you said & you need to speak to a rep. It then gives you whatever it wants and hangs up on you. I still have not gotten through to a real person. Why on earth did they take this card over from capital one if they don't know what they are doing. Had I know I would have canceled my capital one card. Considering they dropped my credit score as well