Civic Token has no true use if their original objective is for ID and it should mean distribution to as many individual as possible, yet their founder gets a lump sum of the Tokens. People get swayed into buying easily so do be careful and Do your own research, always. It will fail also those Tokens that linked to credit card such as Tenx or Monaco. It's beyond logic, the system that supposed to diminish credit cards cooperating with credit cards, so yes credit card cartel now start to shut down their ties.