The most significant advantage was probably receiving a gift card by registering from a referral I found on YouTube. I communicated what happened to the person who recommended divvy and to me, and he encountered the same problems, being disappointed in their activity.
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I just think this is a dumb system to close the account cause even though you paid your account off for what you used that if you don't make the payment on the exact payment day or if for any reason your bank account rejects the payment then you may get shut off
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