I'd like to confirm the following: There is absolutely no way for the user to remove his/her credit card from the personal account? The inability to do so seems rather glaring lack of a feature. Also, in terms of user interface, I find that making a purchase should be labeled more clearly unless I'm missremembering the page layout. As it is, the purchase can be made accidentally to a degree while browsing the premium/unlimited options. There should be a clear "You will be charged for x amount of funds after you click "OK" dialogue with clearly labeled options to confirm or cancel. I personally didn't make any "accidental" purchase as it was my intent to do so in the first place. However, I was charged earlier than I expected, as in, I was expecting a final confirm dialogue for the purchase. This ties partially to the apparent lack of ability to remove credit cards from an account and allowing Spotify to make a charge without credit card holder's permit.