If you have any problems, customer service is hard to reach and horrible. Lost my card, after calling multiple times and waiting for hours & hours just to get a physical person on phone. They told me replacement was being mailed nothing happened 2 weeks later figured out how to order replacement card through app but had to pay $5 for card. Now still waiting like 3 weeks no card still, not sure why just getting a replacement card is so difficult and why they don't have proper customer service.