They have gone from being one of the best crypto companies to the worst. All their decisions they have made in the last 2 years have screwed their loyal customers. I have lost about $4000 and now they are taking away the only great perk they had left for card members, which was lounge key access. I invested $4000 2.5 years ago by getting one of tier cards where you would get a certain percentage back per month on your investment in their in-house crypto (Cronos - CRO) which then you can convert into USD. Soon after a few month the company decided to decrease the percentage paid for the investment by a large amount. For example instead of getting $100 per month, now we would would be getting less than $50. Few months later the rate dropped again, and finally they basically said no investment returns for anyone below $50k or $100k. Which pretty much screwed most of their customer base. Since this happened most people pulled out and sold their CRO shares and eventually the value of CRO went from 4.XX to now 0.06. My current portfolio value went from $4000 to less than $700. The only reason I was keeping it still was the hope it will one day go up in value and also the lounge access perk since I travel a lot internationally. Now that great perk is gone and they are sending us a happy email saying good news we have screwed you again. What ever you do, do not invest with this horrible company. They don't care at all about their customers and they will change rules and perks on you in an instant without any warnings. They have screwed so many people out of their money, I am waiting for a Class-Action Lawsuit any time now!