Used to be wonderful. The app it's easy to use. The credit card great but since October the customer service it's a night mare. I try to closed my 2 accounts but They promise you things so you stay with them, and later it's a trick. You call to verify a payment because the app was out for maintenance and I have to repeat to the agent several times with my name because he asked 7 times for it. I even spell my first name, until I was mad because he was asked again. I pretty sure you know your name