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lionx if you havent played the game don't talk about it.
Simple as that, if you haven't experienced it to the level cap at least then don't believe here say. Which is why I won't give my impression...

I'm thinking of getting FFXI, but am wondering about how to pay.
Is the only to pay the monthly fee by credit. I am pretty sure i read somewhere that you could pay with a pre-paid or debit card in...