To use the GL card for the first time, the card user must wait five full business days after funds were first loaded into their account. If you don’t wait, you will get a message (in the app) that the card was declined. I searched all over the app and did not find an answer. I searched online for “GreenLight declined”, found some FAQ’s and GL website, then a text/SMS number they offered, and finally a phone number (help line). The customer service reps were very, very helpful!