The whole purchasing crysta and using click n buy options are the worst. I've lost a lot of friends as a result of SE changing their payment system. I find it unfair favouritism that SE would choose to do in the vast majority of their players while the Japanese players still have the choice to use direct debit.
Click n buy is a UK based company that has a bad reputation and charges international fees for customers outside the UK. Crysta is now the only guaranteed safe method of payment for customers not inside Japan but since this requires buying more crysta than required for a months' subscription then the customer is wasting money as the crysta gets deleted if it's not all used up within a certain period of time, this is true for all customers including long-term and international customers paying via crysta.
Bring back direct debit payment please, it's the most secure and trusted method of payment. Allowing a 3rd party to have credit card details for unlimited access to the account is a dangerous and insecure method of payment and paying via crysta is just a scam to take more money off customers.

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