I agree....I just loaded itunes in and says I need an account so I think..ok, and then I am asked for my credit card info? I don't think so...not on your life!!!!! I have never heard of any online merchant doing it this way. Why don't they ask for the card info at the time of purchase. I claim foul on apple for doing it this way and people need to spread word to tell apple to change their ways. This to me is a very big security risk.