Podfic- Because... well, if I remember correctly, that won't help so much with yours, being historical AU and all. XDDD
Kink Meme- I... er... wasn't actually trying to make people feel guilty. Mostly. XD Sorry if it came off that way. -_-
Credit card- It could be any number of things. There's the part where I don't have any credit. Also some companies apparently will reject you if they feel you don't make enough money- that very well could've done me in too. Oh well. *shrugs*