Another thing to note OP, Apple apparently does not email you if a charge doesn't go thru. I bought an album and it didn't go thru, I didn't even realize until 6 months later when I was back in the store trying to buy some more music. I noticed I had a balance of $9.99 owed. Not sure if it dinged my credit score, but Apple sure as hell didn't make any attempt to contact me about this charge problem.