I’m loving it!! It’s so much easier to afford $7 bucks for the credit building program then it was to fork over $200 or $300 for the bigger company’s!! I use the prepaid card daily and signed up for the roundup and have already used the price matching feature and got back .12 cents!! It’s not a lot but every little bit helps!!! I literally have nothing bad to say about KOHO or any of its added programs!!