personally, id rather pass on having to pay for the premium....
sucky parts is US playstation network has better content
oo nga, syempre another way is kung may kamaganak sa u.s., for me like itunes which for most part has the same implementation (us credit card), what i do is ask my sister in california to buy the itunes card and email me the codes from the card for me to use. medyo crude, but it works, she wont give me her credit card number kasi (baka abusuhin ko hehehe)
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i never got my ps3 online pa kasi, kaya hindi ko masabi kung how the payment works, kasi for my nintendo wii, we have gotten around this, we can't use the u.s. servers because of the same implementation, but if we change the country setting to latin countries, for me i use brazil. it accepted my philippine issued credit card.
i think may ganitong thread din sa pinoypsx (tagal na ako hindi naka bisita dun).