I love this app. It is very fluid and smooth. More importantly, it is very useful and easy to use. It keeps me very up to date with my finances. My only complaint is that the pull down refresh feature seems to have disappeared within the last couple updates. I loved making payments, then from the main screen showing my balance and available credit, I could pull the page down and itd refresh and show me the updated available credit. As this feature is gone now, I have to sign out and sign back in to see the refreshed available credit. That is a pain in the neck and a waste of time. Please bring this feature back! Easy five stars for me with this feature back.