Yep, all the other reviews are correct. I went through all the verification stuff which went well. Time came to process my first transaction. I wanted to test the system because I didn't trust it based on the reviews. $30 in Litecoin. 10 minutes later there was no impact to my coinbase or my credit card account (this is claimed to be an INSTANT transaction on their site). I locked the credit card so they can't pull some shi*t on me. Do NOT use coinbase.