Couple days late on my credit card payment and they lowered my available amount from 6000 to 1100 thereby maxing out my available credit and lowering my credit score even more. Every time I turn on the app it says this is an attempt to collect a debt all information will be used to collect the debt very irritating and insulting. Just use it with my coinbase account and giving me nothing but problems making me sign in over and over and over again but never linking up. Not happy