I also was hit with an additional fee, .5x, don't remember the actual amount at the moment. But in doing the confusing set up I had it set up to hit my debit card to pay S.E. when I really wanted crysta. I even put crysta in my account and it shows on SE. But to make long story short, when I bought the crysta there was no additional charge tacked on to my cc. So does that mean its cheaper to loose .05 each month or get charged extra for cc. Its not my bank doing it.