Hard to navigate. Credit limit you can only use with there sites. Hard to find the kikoff store. You pay them for ...... well idk what I just GAVE money to but its gone. Just get extra or chime credit builder...spend your money and raise your credit at the same time. No stars. Both thumbs down. Tongue out raspberry fart noise 😋 😋😋😋😋 . DO NOT GET THIS APP!!!!! I have to give a star to post.....