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Shoot I don't know how to pay with Crysta for the PC either, I feel like I'm having to jump through hoops just to be allowed to give them my money. (Or use the money I've already given them)
Yeah that's exactly what it is, playing XI as long as I did I had to put up with so much stupid nonsense. Stuff I never have to bother with on any other MMO I play, nor the one I'm playing now.
Play on PC if you can, PC > Xbox :( Aside from the fact they don't publish the xbox version anymore so you will have trouble buying it the xbox version has some lag problems (at least it did for me).