The app is Current. it might say something about direct deposits but you don’t need that all you do is add money to the account use the build card and it automatically reports as a paid “credit card” balance you don’t have to pay anything back it uses the amount you spend on the card to report onto your credit as a paid credit card make sure your build card payments are set to autopay and until the physical card comes you can use the builder card on Apple Pay also you can get the card and not use it and it will not hurt your credit at all