I don't have any memory to update and it's a Pain ☹️ to delete files every month to pay a bill that should only take a minute, not 15 minutes of my time ever month! Khols doesn't Honor MVC Status and Khols has Zero Customer Service and Zero help information and a Totally useless Bot that can't tell you anything except the useless website help Extremely Sorry App and Company. Now it's February and my Rewards money is missing and I had MVC a couple times in January and it was and is not available.