The app is unusable unless you rate it.
I’m fairly certain this is against Apple’s Developer Program License Agreement. The app refuses to function unless you leave a rating for it in the App Store. It will not proceed past the initial walkthrough until it sees that you have left a rating. Most apps encourage you to leave a rating, and as such they also encourage you to leave five stars, but seeing as this app does that before even letting you try it, I feel that this is completely disingenuous and unethical. It causes the app’s overall rating on the App Store to be artificially inflated and is spam-like behavior used to create fake “trust”. For this reason alone I am rating 1 star, but the 1-star reviews left by other users are also notable and affirm my decision.
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The greatest payoff tool
I found ditch through a Facebook add & the entire principle is great, for every single debit card transaction from a coffee to Amazon to getting gas that goes through my card the rounding up to the nearest $1 gets placed into my ditch account and it is automatically sent after a certain dollar amount $30 is sent as payment to whichever credit bill or loan that I need to payoff. This has already been saving me the no stress option to not have to worry about generalized payback payments by me whenever I have a few bucks extra.
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Not compatible
Would have loved to use this app one star because I’m disappointed that none of my accounts can link because they’re not eligible to be paid off with a 3rd party app. So for me it’s useless.
Keeps money
Total scam
Awful!
First they have hidden fees they don’t disclose until you subscribe. Every transaction cost $1. So you are paying monthly access to the SaaS then get charged a $1 for every payment they make to one of your credits, which discourages frequent payments. Second the first recommended account they pushed for me to make Payoffs on was an account that was paid off and closed two months back and had a $0 balance. The funds got stuck in limbo hell. Third and worst of all, they offered to refund the Payoff that got stuck in limbo via a third party FinTech app that was requiring me to pay a $250/ year annual subscription to claim the refund. Fortunately my bank did a chargeback on the payoff. Truly an awful experience and it’s riddled with AI slop to top all of that off.
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