if I could give negative stars I would! the constant "upgrades" and required password changes make it a horrible experience each time I want to pay the bill. Do yourself a favor and go with a different bank for your credit card. Chase has been the worst for the past 12 years. They ran the computer program the same way before apps and they have never made a positive change. now I have to choose between deleting apps I use or checking and paying my credit card balance.