THERE IS NO UPCHARGE FOR CREDIT CARD PURCHASES, Shrapnel Arms is an Online FFL Gun Dealer Specializing in New and Used Firearms and Accessories at Great Prices, also Transfers, Ph 417-989-9898, Fax 417-679-4802 LAYAWAY PURCHASES ARE ONLY AVAILABLE ON ITEMS THAT SPECIFY FREE LAYAWAY,,FOR LAYAWAY PURCHASES PLEASE CALL FIRST, also Check us out on Guns America or Gun Broker under Shrapnel Arms