The app works as expected. Oringally gave 3 stars but updated to 1 because the customer service is horrible. I ended up waiting 14.5 hours for someone to respond in the chat system. Waited on hold for over an hour to talk with someone and no one can answer my questions about possible fraud on my account. Would not recommend doing business with this company if you have a choice. Forced to do business with this company because GM moved their card here from other servicer.