We use CCBILL simply because surfers trust them, their support, affiliate management, cookie tracking etc.
I can't speak for the others here but I wasn't poking fun at you, heck I am a newb here too! I was just making light of the situation - nothing personal man.
I can share my experience regarding CCBilll with you if you like. ICQ or email me at phil<at>teenfeetcash<dot>com
Good luck!