Alright, I'm wanting to know if I'll be able to play FFXI comfortably (with goodies turned down and graphics on medium/low) and not enounter lag.

Here are my system specs:

850Mhz Processor
256 SD Ram
Nvidia GeForce 4 MX440 64 mb
Cable
and Windows XP

I know I do have minimum requirements but out of experience, do you guys think I'll be able to run FFXI nicely? (but with graphics and resolutions low)

Oh also, are there "time cards" for FFXI? Because my parents hate using their credit cards..