Absolutely Sucks! Not easy! not fun! Time wasting dysfunctional. makes shopping a drag and takes too much time! Just connect all the deals and digital coupons to our card and then when we shop it will apply automatically. And where is my cash that was on the account and suddenly disappeared? Not secure? Spending dysfunctional nerd money that will turn off customers? Who is self-sabotaging Fry's/Kroger? If I'd been highly paid to be so dysfunctional I'd be a multi-millionaire by now! LoL