@Faithhopenmommy I got that message. I called Credit Karma and was told because I closed my Credit Karma account last year, that is why I am getting that message. She said you can not reopen it. I also tried to cancel my account and open a new one and still got the message. The bank for Money Spend will only allow one account. It’s stupid to me. You can go to a real bank and reopen your account. So I can’t apply for an advanced.