I was denied after being guaranteed acceptance, now I have a hard hit on my credit status lowering it. I was told I will receive $50.00 if not accepted. So they told me I had to set up a spend acct. Red flag but ok I did but my bank was not listed so when I tried to add it, it was not accepted by their 3rd party company which has less than a dozen banks available. Scam alert? Their reply differs from their guarantee.