Nobody there to help! Overall, this app can be useful for a MULTITUDE of different things, and works well in those fashions. DO NOT APPLY FOR CREDIT CARDS THROUGH CREDIT KARMA OR ITS APP!! I "applied" for a credit card though a 3rd party lender, and when I clicked the next button, it brought me to a page to tell me the site was undergoing maintenance, and that I should try an another hour. Back on in an hour, my credit pulled, and NO NOTICE ABOUT WHAT HAPPENED, AND NOBODY TO TALK TO, *no phone #