The last two credit cards that were their top picks, I was denied, their reason saying my credit score was too low, the credit card company said my credit score was 200 points lower than what this app says it was, when I tried to get someone from cust.ser. on the phone it's a nightmare, only two options and neither what I wanted. After trying three different times I gave up, need to uninstall this app so far it's been useless