And the second part of all this credit-card hullaballoo has come down...

New Security Feature and Change to the POL Agreement:

You must now have your credit card Verified by Visa or the equivalent for MasterCard (SecureCode)...

This is probably in response to all the stuff which went on with a LOT of people getting dinged for charged-back cards, as well as probably more than a few stolen card numbers and the like...

I would say, bluntly, even if you are already registered, DOUBLE CHECK. We're only 4 days from essentially double fees (if you got Moogle Kupo d'Etat), and I can see a LOT of headaches coming...