Has anyone had any kind of difficulty signing up for HG using a personal credit/debit card? I've just attempted several times, and they keep telling me that their merchant provider is unable to process the transaction. I've tried several cards, each having a balance on them that is more than sufficient to cover the plan fees. I'm not having a problem buying items anywhere else, so I'm just trying to figure out what's happening here. I know that a lot of you use VCCs to purchase plans from HG, so perhaps you could shed some light as to the reason why. What I take from most of the prior posts here is that the usage of VCCs allows you to create multiple accounts and thereby reaping the *added* benefits that come with each one. I just find it to be an unnecessary expense when I have several cards that I can use just the same. Perhaps, though, there is some other reason (related to billing) that you guys at BHW prefer VCC usage over your tangible cards?