At 04:12 AM 10/3/98 -0700, you wrote: >As I understood Bob's message though, the problem is that with under 15 >transactions per month, they're clamping it at $15 minimum, right? Which >would seem to imply that we're paying a flat fee of $15 per month to have >the privelige of the Visa account whether we use it or not. If we are getting charged $15/mo ($180 per year) minimium, then my idea about limiting to users outside NA may be flawed. Bob: can you show a summary of the number of non-NA users who pay with VISA and compare income against the 180 minimum. This will tell directly what we make (if anything) If we drop VISA, then we may loose all those members. So, is there an alternative way we can make it easier for people in Europe and Asia to pay? Bob: can you pose the question to the bank and see what they suggest for a low usage account. Neil