I’m sure it’s hard work to do when you have to deal with thousands of clients within the country and over the border. Unfortunately, the management cannot fulfill all obligations accepted. The app, as well as the website, often prevent from making payments. Mistakes pop-up and cancel the payments without any explanation. I’ve been an owner of this credit card for more than three years, but at present, we do have to part because I need lower annual charges at least for the high-rated users.