DO NOT USE THIS APP. I PAID THE CREDIT BUILDER SUNSCRIPTION AND IT HAS U FUND THE CARD TO BUILD CREDIT U CAN CHOOSE TO GET A CARD OR NOT SENT TO U. IT GENERATES A VIRTUAL CARD FOR U. I DID NOT GET A CARD SENT TO ME. THEIR WERE HUNDREDS IN CHARGES I DID NOT DO. PLUS WHEN I WANTED A REFUND THEY TOLD ME FIRST TIME I WAS PASSED 7 DAYS AND I WAS NOT THEN THEY SAID NO REFUND CAUSE I FUNDED THE CARD THAT THEY TELL U TO FUND TO BUILD CREDIT..THIS APP WILL HURT U NOT HELP U..HOW THEY GOT 4.3 STARS IDK