When it comes to managing your credit cards this app goes through such a ridiculous method. You cant review current credit information and instead are forced to enter a new credit card each time you want to review. And when submitting a payment, you arent told which card you are paying with. So unless you want to resubmit a credit card, you cant verify which card your using. This has caused me many headaches. I dont know why PayByPhone wouldnt have a more intuitive approach to paying and reviewing.