1. The credit card issue is not the LSA site, but instead the bank that accepts our credit cards for us, which is HSBC, the largest bank in the world. If you are having problems, it is likely that you have a P.O. Box as a mailing address. We have had an on-going issue with only some folks who have P.O. Boxes as their mailing address, although not all folks. In some cases the issuing bank has a physical address on file for you, even though they mail your statements to your P.O. Box. I have spent countless hours on the phone with our credit card help desk only to find that if you have a P.O. Box, they claim it's your bank's fault. I know this is substantially less than a satisfactory answer, but one I have received each time I've tried to deal with this issue.