Just to clarify, if a pending charge is put on Paypal using the VCCs, it DOES NOT draw money from your account. The only way it will take money from your account is if you don't cancel the trial or someone messes up. Last night I had two pending charges on there totaling around $60, but my bank account had not been touched. One of them was wiped clear this morning, and Bureau Tools RX still hasn't actually charged me, so maybe the whole thing was free.