At some point in FFXI's life, they changed some kind of system that your credit card had to be verified through web or something. The CC i had on file didn't qualify for some reason, so I had to go through the inconvenience of changing to a new card.
That coupled with their absolutely horrible phone support. I really don't want to relive any kind of complications. Why can you simply accept a credit card on your website, and handle everything properly that people can trust and do it with ease. You can, but you know that'll cost you a little more per account and as a consumer, I won't buy it.
Give us options or when the F2P is done, as am I. I'm as patient as ever with FFXIV's development, but i'm not patient with anything else regarding this topic.