ChatterBank4 mins ago
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For more on marking an answer as the "Best Answer", please visit our FAQ.Yes you pay by credit card and you then have a credit balance which is reduced every time you listen (or purchase by downloading). You can credit quite small amounts. I listen to albums on MSN and purchase from allofmp3 which is a very cheap Russian site but excellent quality and an extremely comprehensive catologue. Again you have to buy credit in advance. I have not had any problems.