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I didn't pay for a year at a time for the Annual Pass, you just had to commit to pay for a year. I kept my monthly payments up. When the bank stopped them thinking they were fraudulent I simply updated the account with the bank details again ( the bank wipes it all out ) and everything was fine.
Reason I did it ? Get into the beta, free game ( I played diablo 2 before wow ) and the free horsey haha
Seeing as I would have been paying for a year anyway it was no real big thing for me.
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