Believe me if we could simplify things we would, unfortunately, our local credit card processor company (NOVA) penalizes us tremendously if we allow VISA or MC purchases of the monthly membership. Sorry for the long email, there's just too many Platinum Club benefits to adequately explain in only a paragraph or two. ;) Hi Steve, You do mean, tremendous penalties on annual purchases of PC membership on VISA or MC, right? Your statement on your site says: (2)Pay a one time annual fee of $99.95 for 12 months of membership.....(VISA and MC are not accepted for option (2) Although, it would make sense that you absorb more charges on monthly transactions with VISA and MC rather than annual, but you are disallowing VISA and MC on annual memberships...at least according to your info. The email wasn't that long. I was complaining about the length of the page describing the PC on your site! Shucks, just put all the important info at the top, organized nicely and succintly, and put all the flashy stuff down below for those that want to look at it. grin Have a great weekend! Steve