I am not sure if anyone has said this or not bec I didnt bother to read the whole thread, but I think you can choose the option "Ultimatepay" or w/e its called instead of click and buy. Then you can add crysta with your credit card. I find that a lot easier to deal with than click and buy. I know a lot of people have been getting their bank accounts frozen and cards deactivated bec of click and buy.