No change in credit, Auto pay is scheduled two weeks earlier than due date it failed and 0 help - forced to pay extra fee and payment fee with over a week due until my actual date- go to a physical bank and do a secured loan open a secured credit card - close this account - I'm guessing thier money comes from interest & the secured card that doesn't influence your credit and the referral if you make the mistake of working with those offers/ads in the app -