My experience has been horrible. Every problem that comes my way I have to wait a month+ to resolve. And the whole time my money is frozen I can't use it. They don't offer any other kind of advice or help other than. "Well they say they fixed it" or "are fixing it" when asked to speak to someone higher in business they tell you they will contact you eventually and refuse to give a call back number or office number even though they say they will call you they never provide a number. Bad service.