I just wanted to point out that this is the top post in the entire community, and has been for a very long time. It has over 100 replies, and each post provides the same request, from people who are affected. Yes, Cloud9 has taken steps to solve it in some cases, such as creating the education plan for classes, but this by no stretch of the imagination works for everyone. I've been part of the community since before the feature was implemented and since this thread started, so the feature doesn't affect me, but I've seen post after post after post of frustrated users and people who can't become users because of this feature. I want to just ask Cloud9 to evaluate whether the credit card solution was actually effective and worth the frustration of users, because it is indeed a bad user experience, and also a security risk, as handling sensitive data unnecessarily is basically Rule #1 in the list of things NOT to do. I'm sure there are many more people who have turned away from this great product, simply because it's out of reach. Yes, Cloud9 continues to concentrate on other, technical aspects of the product, and as a long-time daily user of Cloud9, I appreciate that, but other people don't and can't appreciate and use it, due to this limitation. There are plenty of good suggestions above, and I ask Cloud9 to please pay attention to them, so that this irreplaceable service will be more accessible and so that this thread will be a memory in the past, rather than a continuous top 1-sided conversation. This community is a place for feedback, and this is feedback, please listen.
Thank you for Cloud9, but for everyone's sake, please, please, do something.