One day, out of the blue, the app stopped accepting any form of payment from me, be it with my cards, apple pay and even paypal. I called customer service, the person on the phone was dismissive and unhelpful, and I was told it was an issue with my bank. (Which wasn't true, because it didn't work on multiple cards, or other payment options. It wouldn't even let me load a balance onto my card.) I contacted my bank and they confirmed this, saying there were no blocks on my card or anything. I called Spin once again and they once again claimed it must be something wrong with my card, claiming that app had flagged one of my cards as "refused" and another as "fraud'. i called my bank and had someone come onto the phone with me to spin to explain that it was not an issue with my card, and the more helpful representative informed they would escalate my case, but I haven't heard back. I called back today, a week or so later, and they still said there was nothing they could do. The representative was very kind, and we deleted my account to see if that would fix the problem, but I will have to wait a couple of days for the data do get deleted.