Ok...so...I want to purchase a phone online...The LG G3....with the tab, I owe about 26 bucks to buy it...I try to use my girlfriend's credit card but it won't let me...I don't have a credit card and our address is the same. So, I choose another phone, the S4. Now I have to pay 0.00 now but I still can't buy it because of the credit card thing. So, question 1, why can't I use her card? I realize it's a different name on the card but the billing address is the same, both on the Koodo account and the card. Question 2, if my balance owing at checkout is 0.00, why do I even need a credit card?