Please do NOT fall for the commercial! I was fooled. It's a phishing app. It only wants to charge you money to join other app services. It doesn't even pay until you have given all of your personal information to parties that only want to hurt your credit or charge you more than the payment amount. Which you will receive in 60 days!!! Companies do come out to screw people further in debt when our chips are down. Please do NOT fall for the commercial!