I don't think it is right that they tell you that you are approved for a certain amount but then require you to open a checking account with credit karma in order to receive it, and then after you sign up, they then say it was denied. Its almost entrapment. Total scam. they approve me for $500 when I am getting almost 10k back which is ridiculous but then to turn around and say "nevermind" no advance for you. And that email they said would come explaining why- never came.