Had to give it 1 as 0 was not an option! Schpok wallet is a disgrace. You have to pay postage up front! You then have to wait for the buyer to "agree" the transaction, even if you have tracking info, then Schpok "HOLDS" YOUR money for 6 to 7 days! If the buyer doesn't like ANYTHING ie Schpok will not pay out, even for postage. Appalling. You CANNOT remove schpok wallet from your profile! If the Seller offers delivery, it is NOT an option to remove it - ie couldn't collect it is just NOT user friendly