Don't use the money spend card! I got the card, put $10 on it just because why not, and never used it for anything. About a month ago, I started seeing declined transaction notices from the app, but there was no info on the transaction. Finally called support, and it was a HUGE Amazon transaction being declined! Somehow, the card info got out, even though it was never used! I HIGHLY recommend not getting the card. For just checking on your credit, it seems like a decent app.