i hear guild wars wasnt that good, and i mean if you do paid cards for WoW, you dont have to worry about using a credit card. WoW is amazing, i just wouldnt recomend it for someone who has alot on their hands already. BEcause if you play it and start to like it, you wont be able to play in just moderation, believe me. I wasnt the MMORPG kind of person at all, and then i got hooked, so just be careful. But i would HIGHLY recomend WoW. But, in my defense, there really wasnt anything during the Q4 2006 for 360 and it just collected dust. Oh, and thanks for the wewlcome to this wonderful website.. what did you say it was called... Xbox World?