DONT use the app to make payments! I did and the app isn't set up to inform you that the information you have in the app is outdated. It should pick up on expired card information, but it doesn't! So I make the payment, it posts the payment, then 2 days later it cancels the payment! So I called them and they tell me it was a glitch and not to worry about it. A year later I ask for a credit increase and its DENIED because of 1 late payment that wasn't even late thats not even on a credit report!