Junk app, always has ads for promotions and you have decline the offers before you can log into your account, there's no way to bypass this. TD banking app has never done this, and i've used their app over decade. Can't set purchase limits for credit cards, nor block foreign purchases. You can only disable the card completely, which is useless unless you lose your card. TD banking app does all the above. Unless you have a specific reason to stay with cibc, i'd highly recommend moving to TD.