Its only my opinion but I don't see how this company can make it without credit card service. Their reputation precedes them. The best they can hope for is someone buys them out. Their program is excellent, however because of their reputation they can't expect to get a windfall price on a buyout. I don't know how they can do it but they need to convince the banks to reinstate credit card service. Paypal is not big enough to make this company a go.