What are you talking about I had to do none of these things... I just gave them a credit card number. That's it. It sounds like you we're trying to apply for a line of credit thru them or something.
ClickAndBuy is the European version of PayPal. And like PayPal... it can be a pain in the ass. If you are going to use a service like PayPal or ClickAndBuy... use a Credit Card (not debit) so you are protected should you do something stupid like loose your email and make no attempt to resolve the issue by contacting them.
If you don't verified with them, there will be a spending limit. And no it not for applying them for credit, it's like PayPal but their verification system is even worst. I know because I sign up with them.
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