Quick on getting approved. For unknown reasons, my account was locked. For 2 months now, unable to get a live person to unlock account, been transferred to multiple different departments, still unresolved. Every day I call, sit on hold for hours, YES HOURS. Try calling on lunch break sitting on hold. Having a locked account means no online payment options, you must mail them a check and the online chat is also useless. All they do is answer the phone and offer other phone numbers.