My friends and I accounts were changed all because of 1 late payment that was 2 days late. When she requested to talk to someone. The person was not helpful at all and they truly do not care about anyone. They make up reasons and really not a good payment app to use. They will make you go through all these loops just to get your spending balance up just to take it away from you. Especially after you change you password, weird right. We know! So $#*! AFTERPAY