Good information! :) This is exactly why I just use my bank account for this... with credit cards, unless its a debit cards, coins should not be purchase with money you do not have when its a volatile market.
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I preferred credit because it was instant. I believe you can use credit responsaibly as I do. I know most do not use it responsibly, but it eerks me that someone is trying to protect me from myself. We live in a world that is over regulated.