The first couple times I used this it went well. But the last few times I tried to use it, it says my transaction is immediately declined. I was never late on a payment and usually paid early. It doesn't give a reason why its declining me and tells me if I want a reason I need to mail them a letter. Not email them, mail them. I use another app like this one and don't have any problems so I don't understand what the issue is but this app is now useless to me because it will not work.