After you file

credit karma will also close your spend account  if it has  a neg balance to no fault of yourown. even after you call them and try to get it taken care of, they will also ignore 3 more calls after that and still not change your number until you demand a manager who will then tell you that basically you're screwed and to find another company to go thru if you want the advance, they will also tell you that if you want to keep all of your money since they didn't block a company from continually placing charges on your account tho you've told them there is a lawsuit and in litigation, turbo tax and credit k both are rip offs, I'm pissed beyond explanation, I have been a loyal customer for many years