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I DO NOT recommend using Credit Karma. They've had my tax return and stimulus money for over 2 weeks. It shows on their web site but it doesn't say it's available to me. In the meantime I have never received a debit card. We shouldn't have to wait 7-14 days for a debit card. We should have immediate access to OUR MONEY the minute it hits Credit Karma. I have been calling and I've been put on hold for too long so I email them. It takes too long for them to respond. In the meantime they still have MY MONEY!!! As soon as I get this resolved (or call an attorney) I will close all Credit Karma applications. I have also registered a complaint with the BBB. No institution should hold YOUR MONEY without you having immediate access to it. I was depending on that money and now I have to go through a complaint process.