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I dont understand people who are bashing this co. They allow credit card purchases and with that comes higher fees. I have never had an issue with Harmonetix wallet not delivering my crypto. That's a user issue make sure you are entering the proper address. Also I find I get cheaper quotes buying through Trezor app directly rather than through Harmonetix wallet first. They do need to fix that aspect. Another issue is sometimes the credit card method wont work and you have to use apple pay. No biggie except apple pay you pay slightly more. Ill dock a star for these things. All in all if you are desperate to buy the dip and have no cash on you this is a resource. *EDIT* Ill give you an example of the fees. Cardano was .71 and after including fees plus the bank international fee its closer to .76ish . This is the price, keep in mind, for using CC. I encourage you to buy cheap crypto w cash on HOOD and send it to your cold wallet if you can over this method. I gave 4 stars because Harmonetix wallet does what it says.