I really think clickbank is not sucxh a bad place for newbies to learn the rules of the trade. The ready made advertizer website, and large collection of digital products all in one place cannot be beaten.
The stipulation of so many sales fron different credit cards has been put in place, i think to discourage people buying from their own affiliate links.
As this is a relatively recent development in clickbanks history, it probably arose as a result of affiliates abusing clickbank
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