What phone app? If it is the security key , I didn't know it was free. What if I don't have a cell phone? I do have an iphone, but how did you know that?
If the security key is free on the iphone and I don't have to pay for it, then I may download it.. but that doesn't keep this new system from being annoying.
The app is free. It will require you to put in a random set of numbers any time you log you in. However your account will never be hacked and you'll get 100 CCs a month.
I've been using it since launch.