App is fine, the bank itself is stupid. Had two failed attempts to pay because their system took well over a week to take the payment, which my bank cancelled at that point. I went with standard payment vs express which funny as it is goes through that day vs how ever long express is supposed to take 🤣 So they close my account lmfao paying it off and using my credit line that will go up thanks to making all these payments on time with a BETTER company