[Skunkworks] Safcom credit credit

Safcom charges a whole 5 bob when u 'request' for that 50 bob emergency credit. Well, at that point safcom is doing me a favour so i think they have the right (but a whole 10%?!). Anyway, my beef is, why do they have to control who I call? Its my damn money now! In any case, being an emergency, i should be able to call anyone! CCK guys, do i have an argument here?