Congrats on now paying 3.9% more for ffxi each month!! (you do realize C&B charges a fee to use thier service... way to go SE!)
This is not true. They charge that fee to put money in your C&B account, not for easy collect. You are not required to fund your account.
I signed up for ClickandBuy and have had no real problems. At first it kept rejecting my cc as unsupported or entered incorrectly. After a few tries, I changed my name to include my middle initial and it worked.
I also verified my bank account with them, and they made two $1.xx payments totaling $3.14. I was a little miffed when these were credited to my C&B account instead of just reversed, but when the bill came from SE this month they applied it to the bill and only charged my CC $11.81... no extra fees or anything.
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