Deos anyone here use it? I tried setting up an account this morning and it has been nothing but a nightmare. First, it had me setting up facial recognition on my phone as you have to have your phone secured in some manner. Then when I entered my debit card info it said I needed to contact my credit union to have the card verified before I could use it for Apple Pay. WTH? I've been using this card for years. It took my CU about 3 hours to verify my card, so then I attempted to send a pament and I get a message stating that my Apple Cash card has been locked and I needed to contact Apple Support. So I call them and they connect me with a finance specialist who tells me my account requires further verification and it will take up to 3 days to accomplish. This seems overly ridiculous to me, or is this the normal sequence of events when starting an Apple Pay account?