You are correct, just go into the Account Menu on UO.com website & put in your CC info. It will be on the left side under the heading of Account Mgmnt tab, click the tab & then click on the tab New/Edit Acct, that will bring you to another screen & in that you will have to enter your UO user name & PW to get into it to do your changes. It takes just a very few min's to do it all. GL