No issues so far, but I’ve not used any/many of the services yet. Just pay and get the points, not even had for cash yet. Good to get instant notifications of purchases. Initial limit for 3 months was low, but easily increased after 3m to 10k/month. I don’t like to have to use the app for all card management-prefer a web site with bigger screen and easier navigation, but I guess this is the way many products are going now.