No I don't see a pattern with the credit card purchases and my provider has confirmed they have not blocked my card for any reason. I thought it might be the web sense company blocker but multiple tries on a un-blocked wi-fi serice gave the same results. I've also tried on 1 other PC to see if it was a cookie or fire wall issue, same problem. Thanks for all the comments, i'll report back when and if i get this sorted and hopefully the reason why. Kobo's a pretty good site, give it a try when B&N blah, blah, blah's you.