Perhaps I missed a zero, is the threshold for billing 30 or 3 dollars per quarter? (I guess viewing 30 filings vs 300?)

Also I definitely gave up at the point they asked for a CC (which I didn't have handy at the time). The UX certainly led me to believe this was a required step; are you saying I could skip that step?

If so, is the idea that you could theoretically rack up a lot of charges in one quarter before they cut you off for non-payment? Seems like an easy way to game the system...just sign up for a new account every quarter.