Sometimes, when I log in, it doesn't take it; it just keeps saying it took too long to try again later. Then, about a week before the payment is due, they blow my phone up like crazy. Also, I don't like the fact I can't pay with a debit card. Has to be a bank route and account number, then ot take 4 days or longer for them to approve the bank info. It's definitely not my type of card, so I don't recommend this card or the app. Yes i could use the express but then thats more money like $7 right?