I had my card for years know like 4 any ways last year with the reward system I called them and said I did my 12 mths no button to click instead of telling me to wait tell later in the day for the button they said I was in the negative remind you I was never in the negative and I got the 10 dollars protection plan same thing just happened agian they told me it wasn't they app I asked to speak with a supervisor Bella asked for my number then hung up on me then called me back and stated she did hang up but on a accident any how the supervisor hung up on me before even speaking then I called back and was told I was in the negative agian I told them this happened last year well guess what my moneys on there now because like I said they app is messed up you don't get your money the 18 and when you do get it is 24 hrs from when they take the payment don't waste your time calling because they will have you believing you won't get your money