I've been a user for many years. The first red flag was at least 5 years ago- They randomly suspended my account for using it as intended. Once that was sorted, the next hurdle began. It randomly wouldn't let me create cards anymore for probably a year because it un-verified my bank. Again..Got that sorted. Eventually. Recently, there have been two fraudulent attempted charges on cards closed back in 2016. I think I'm doing them a favor by giving them a heads up on the data breach - instead, they disregard my information with extremely snarky, unprofessional remarks and finally deny all accountability. Shameful company that has wasted their potential. I ended up closing my account as I haven't had a use for it in a long time. A few years back, they started allowing charges to go through on closed cards if they were subscription based. Defeated the entire purpose of protection. I wouldn't trust this company with any of my sensitive information.