Skype is a Microsoft based company. Microsoft and Skype, Inc both have their offices in Palo Alto, CA yet they charge your credit card through an international office in Luxembourg incurring foreign transaction fees and don't make that clear when you are purchasing their services. Even when you sign up for Skype, it asks you what country you are in, and being in the United States of America, with a company who's office are located in the USA, one would never imagine it is a foreign entity. They should make it clear that your credit card is being charged as if you got on a plane and travelled to Luxembourg.