I have just made the easiest quickest and cheapest BTC purchase ever.
I am very impressed with Circle.

My BTC purchase history:

1. Mined early: Quickly perceived to become a poor return thanks to the fact that I prefer Nvidia gfx cards. (Irony is that at today prices I should've kept mining!) Spent most of that mining on stupid purchases purely for the novelty of using magic internet money.

2. Buy local: 10%-20% markup from local sellers and they keep coming in and out of existence, generally fear that I will get ripped off. Bought some of my most expensive BTC like this.

3. Decide to use an exchange. Decide poorly. Decide... ((shudder)) on mtgox. Costs me to transfer money to Japan but cheaper than buying second hand local. My bank now has a file on me I am sure. Time delays but manage to get BTC into local wallet. Get confused and dilute BTC into numerous alts and other exchanges. Too much fun to stop. Need more BTC. Send more money to Japan. Things go horribly wrong. BTC now sadly stuck in limbo.

4. Thinks to try OKPAY. Another bad decision. Verification, rip offs etc. Experiment costs me a small amount but fingers burnt.

5. Considers mining but can't trust hardware companies and now too sceptical of everyone and everything. Calculates that it is cheaper and safer to just buy BTC.

6. Back to buying local. Finds a great vendor. Sees the light and realizes this is the way it is supposed to be. Puts up with 10% markup for vendor.

7. Decides to try Circle. 18h00: make account. 18h10: link credit card. 18h12: deposit $500. 18h13: withdraw 1.3BTC to wallet.
So far I am impressed! Someone please stop me and tell me if you think I am heading for another (3) or (4).