This app sucks. You cannot turn card on or off if you misplace it. You cannot request a replacement card. It will literally just send a duplicate card and not turn off the misplaced one. They make it impossible to talk to a live representative without jumping through 857 hoops. And they emailed me that my payment had been "returned" I called my bank, since the money was there, who said I would have received a notification if they had returned a payment. No answers from Credit One.