Takes so long to do online banking after username and password, even with through using another web browser to checkout (Internet Explorer/Google Chrome/Mozilla Firefox). Even clear your browser's cache and cookie. The normal online payment for mastercard need that stupid verification feature which go against our privacy and very troublesome. Cannot refund the money if we make a mistake or the code has an error. Lousy customer support and service as though there is nothing they can do about it and very mood tone when speaking to me. Horrible customer service. Gift card no discount and due to exchange rate, its so expensive.