Why defend click and buy? I'm in the US and they still wouldnt take my info. Not that i have to prove anything to any of you but I had a legitimate problem that was not my fault. Got billed for crysta through paypal and did not get it, after an hr and 2 phone calls the situation was fixed.
So I'm sorry for ppl who are having problems with billing but if it truly is not your fault they will work with you. Just need proof (purchase ID, time stamps, etc) which a smart online consumer should keep for anything they buy.
