Just a quick update to my previous rant, my PINsentry arrived and then the app never asked for it for me to register... There's a message in there saying I need to wait another 4 days to be able to use the in app authorisation of online payments. In fact I tried to pay for eurostar tickets last week and was declined. I called in and the lady said it'd take a while before its allowed. She cleared that payment for me whilst on the phone but it's not been a great start. Still no way to pay with my phone. I'll be downgrading when I hit the bonus and keep it as my non-Amex payment but wow... I'm not impressed!