How many buy music on their device?

I buy my music in MS points, and I cant use my phone to, because it doesnt translate them between currency. One of the other, Microsoft! And replace the points with ? cards! or I cant buy apps or music :(
 
Just got my Lumia 900

started buying apps and music through the device

and discovered that if you buy to many songs on the device zune locks out your credit card for 48 hours because of potential fraud. Apprentlly its all those little 1.29 charges.

So i was wandering if i was the only one who this happened to.

Do most of you guys just buy your music through the zune client, or "other means"

I buy music through Itunes on my Macbook and then sync the music to my trophy via the Windows connection app. I do it that way to use an iTunes card for $$ credits and not have a bunch of $1.29 charges at once as you describe. Also then my wife and son can sync the music then to their iPad and iTouch.