PC Club from my understanding was not established to promote existing characters but rather to highlight and promote new items from DAZ. In regards to the upgrade, any problems that seemed to have existed for most others have been rectified by a simple phone call, or an email to sales@daz3d.com. If you do not already have a PayPal account, then you can go to the PayPal website and set up an account there, once that is established (and it takes about a week to ten days for the procedure to complete), then PayPal is a good alternative to a purchase when a credit card doesn't work.