Scary bad Cybersecurity Looked through their code base. Their security protocols are terrible. Don't know if I could come up with a worse architecture design to buy/store/trust as my bitcoin holders

Fold Took More Than They Gave I had paid for the Fold card membership and used it quite a bit when they had the option of buying Amazon cards. But once they stopped having the Amazon option there wasn't a motivation for me to use it much. Little did I know but they had started charging me a monthly fee for non regular use, that went on for a while without me knowing until they depleted my Fold debit card account of the funds I had deposited. Not very enticing for a customer.

Rewards cut in half They cut rewards in half. Not worth the effort. They refused to refund my spin plus annual fee of $100 after using it only 3 months.

Been waiting a week for them to handle… Been waiting a week for them to handle a basic customer service request. Tried multiple follow-ups. Switched after BlockFi CC blew up and was referred. Card supposedly on its way but communication has been poor. Not a good start and just may keep looking.