If you mess up one time your max will be $50 forever I haven't had trouble paying back $100 for the past seven weeks by getting a max of $50 and having a friend vouch for me for the last 7 weeks they still wouldn't increase my max to $100 which is very silly. Be ready to send alot of screenshot because their app can never seem to pick up your bank information. Be prepared to receive alot of robotic, prescripted responses to your issues and needs. The app is better than nothing at this point.