allofMP3.com is not a monthly subscription site. You just pay for MB of downloads and you can DL in OGG and MP3 at different bitrates. If you choose 320kbps, you will obviously get fewer songs than at 192kbps.

I have no problem using my card anywhere on the 'net. All cards afford you protection, so if there is something suspicious, call your card issuer and they will take care of it.

In 8 years of using them online, I have never had any of my cards compromised.