I'm not a Bank of American fan boy, BUT. they have a great credit card system. It's called Shop Safe. You put in the amount of the charge and they give you a one time use number that cannot exceed the amount you specify.
Since I am retired in Thailand many of my Internet purchases were denied or questioned. That was a royal pain. Using Shop Safe has also eliminated that problem.
File Factory did correct my problems and then gave me an extra month. The service seems OK but very few Noeman uploaders offer that particular download service.