Having filled in the details on the app to make payment on my creditcard, it continually freezes on the final page, leaving you with no idea if the payment has been made. I have uninstalled and re-installed the app many times and it still freezes. I then tried to log on via my laptop and had the most convuluted process with additional codes needed to log on, which were needed from the app homescreen (aside from the original security questions and passwords). I finally log on and make payment and then needed another code to log back in, as once payment is made you are taken away from homescreen. I still have no idea if the payment has been successful! A complete waste of time and inefficient process. The app is often down too and means i cannot make credit card payments in a timely manner.