Same here except I not going to buy FF XI because I play my parents say I play to many online games and I can't get this one! this kinda sucks because I'm kinda doin' a copay with my friend sooo..... I can't tell you to much about how you pay because I pay him and he pays his parents so there just using the credit card method I don't evan have to pay with credit or nothin' my friends parents do!! So I can't tell you about that but I can tell you it is addictive and very fun!