Absolute Scam
I was impressed with the idea of this app. taking my money to then use later so there is no debt. Well, I haven't really needed to shop so I have requested the money go back in my bank account - that has been a mess. I paid for the "express withdrawal" so they charge like 7.99 and it suppose to be deposited right away. The last time I did this it took 2 days and a lot of emails. This is the second time I've tried to withdrawal money, I am on day 3, and nothing of my "express" request has happened. They are still holding onto my money.
There are plenty of options out there, this looks like a good tool but it's total BS.