No need to establish a line of credit, you can pay as you go, charge it to your card, or establish a line of credit. I just have them charge it to my card once a month. Let's see, for a roll of 120 say fifteen shots runs about $15.00 for processing and proofing. Plus they put your copyright info, neg density and other info on the back of the proof. If you call them they'll gladly send you a price and service list on cd. They don't charge for supplies either, mailers, proof and order envelopes, mask cards and such. Let's see, it's $4.20 I believe for an 8x10 for film and $1.80 for an 8x10 from a digital file when you ftp to the lab. Thinking the lab ought to give me a discount for recommendations... L