I had this app for a long time. It was until I had my gov ck deposited. This has been one of the worst mistakes I've ever done. No live Cust serv. No help when buying from a fraud co. I certainly didn't know it was as they used exact looking website as the product I bought. Absolutely would not even look at facts of dispute. I told whoever was texting that to this was wrong choice of an app I chose. Then get text asking to close my account. DON'T USE. Also don't believe get pd early