Romance me a bit
You've got "Add a credit card" up there. Yeah good. GOOD FOR YOU! As a business you've totally forgotten WIIFM (what's in it for me). I will probably NEVER give you a credit card, because... I sense you care about your interests before mine. Try to wine and dine me before you try to fuck me.

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Admindreeves (Cofounder, Beeminder) commented
Recall that the service we're providing is taking your money. Not that the service happens to take your money but that the taking of your money *is* the service we're providing. It kind of turns the WIIFM paradigm on its head. :)
Actually, I say "recall" but presumably we failed to make the depth of the craziness clear, which is really good feedback for us (for real, thank you!).