It's a great app for moving money and instacash is great.. but it was very disheartening to find out the credit builder account and instacash are Linked. If you miss a payment on either your not allowed to move any money, roarmoney, instacash nothing ... bummer! I don't even want the credit builder account but the app won't allow you to close it until your balance is zero... BUT ITS NOT A LOAN YOU GET NO CASH UPFRONT YOU JUST PAY FOR A TRADE LINE SO WHY CANT I JUST SAY IM DONE AND WALK AWAY.