Was an amazing app and easy to use...Now IF I get approved by their own criteria, they either won't work with my current card holders OR pretend I'm not me by asking me "Verification questions" that pertain to my father; Who also has the same name, BUT different middle name and of course number and SSN. Leaving me unable to use their services. It's ok. As I've found other companies that ACTUALLY help and report your loans to help build your credit while still being able to purchase.