For the credit purchasing: Many, if not all, online stores require a CC in order to make a purchase, so using a CC is usually the only option. In this instance, when you have a $319 (presuming it was ordered during the discount still in progress) item charged 10 times on a CC totalling $3190, that is tying up $2871 worth of credit; not including shipping charges, etc. IMHO, this does not imply that kramer99 has credit problems, except for the apparent order issue and the tied up available credit. I know I find myself buying more and more online as you can find better bargains than you can locally in retail outlets. The only time I buy something locally is when it is time-sensitive or stuff (like groceries) that I would not want to wait 3-5 business days for delivery.