I have played this game for a while now and I never had any problems concerning monthly payments. Mostly because I have never made any monthly payments so far and I have been playing this game for a while, like I already said. I will have to ask my friends on this one and I will tell you what they have told me. I never discussed payment with them, I just assumed there was never any problem in that department. I will try to find this out for you as soon as possible, but you keep asking around and you might find the answer before I get it to you.