I wanted to set up an account and learn the site before I started making any bids or purchases. I admit that I rushed through the process, but I didn't realize that by putting your credit card information in at the signup stage, that I would actually be buying bids AT THAT MOMENT. I assumed it was like amazon or other shopping sites that would hold your info until you actually made a purchase (or in this case, a bid). But I emailed Support and they reversed it right away! I will definitely use QuiBids one day, but right now is not a good time for me financially to "buy bids" that I'm not 100% sure I understand how to use.