You guys seem to be deviating from the actual reason I made the thread. The apps comment was just to give context. The Amex app, for example, pops up whenever Amex decides to flag a purchase as suspicious, and because of how often I travel, it happens quite a lot. From the pop up, I just click that the charge is legit and have whoever run it through again. On the Windows phone, I'll have to call and speak with a rep to get this taken care of. I'm not bashing Windows phone, as I've mentioned already. I find the UI refreshing, but to sit here and say it's all perfect is an insult to any sane person's intelligence.
I think I currently own more Windows Phone devices than quite a few people on here - Lumia 620, 920, 925 and 1020. Break out from phones and I own a Surface RT, Surface 2 and sold my Surface Pro 2 on here a couple weeks ago. Yes, I also own a MacBook Air, MacBook Pro, iPad, iPad mini, iPhone and Apple TV. I'd love to think I can have an objective view in this situation.