App seems ok but ratings jump only to benefit Credit Karma as a business. I have a USBANK card I've put numerous amounts so far. And paid off quickly. But I figured maybe I should have something sit as a balance on my card for 2 weeks then pay it off. So it would help my credit score. Instead it dropped it 30 points. The APP thrives on promoting cards that flood you with mailers and text messages or emails. High interest rates or yearly fees. $69 dropped my score 30 points.