I started using them back in May 2021. Paid the premium fee for the black Fold card that came with extra spins, better rewards, etc. It was a decent service then. I wasn’t comfortable leaving a large balance on it though so I made frequent transfers that took forever. That was annoying. Instant debit funding was the most requested feature at the time, and they promised it for over a year as “coming soon™️” but could never give a clear answer about its timeline, and then finally over a year later rolled out a crappy service that failed or was delayed half the time I used it. They wasted resources launching that moronic AR game. Their rewards and fees got worse and more restrictive. Rather than be transparent about their challenges they tried to sugarcoat or spin it as something it wasn’t. Just be honest with customers and if you can’t follow through on something then admit it and move on. It all left a bad taste in my mouth and since the fees were going to cost me more than the rewards I had no reason to even want to continue using them.