Have faith mate.  We need to remember that this is one of the largest ICOs with a large community, so you will have a large number of people that are not happy.  The probability of a project being called a scam because a large number of people complain is quite high.  I am frustrated with how the business is being run, but there is no proof that this is a scam.  I choose to not go down the route of being negative as it achieves nothing.  They have now released the loans, pretty much on schedule, so we should give them some credit.  When cards are back in operation they will have a functioning business again … Its happening, but just slowly ...