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Nobody is going to give you their credit card information straight off the bat, without knowing exactly what they are signing up for.

Noted, working on this feedback :) Do you think you'd give the credit card info if the money was refundable without any questions?

No. Get enthousiast users first. Get money later. Give a free trail (without entry of credit card), and lock it after 30 days with a "pay now" thingy