Maybe I got it after all!!    My app purchases showed they were going through my Visa but I've been watching that account and those purchases haven't showed up!    Maybe Google Play intercepts them and takes it from the $25 stash.

Frank

Thanks very much for the reply.   Followed it to the letter.   Seems my account is already there and no way to delete it (to start over).   Anyway, I went so far as to download an app I wanted and it showed that it would be paid for through my VISA ... I must have gone farther into setting up the account than I remembered.    There was no mention of a credit so I guess I've missed out on that one.

Anyway, thanks for trying to help.

Frank

Another geezer here ... started in early 60's on IBM 1401 then Honeywell 200's (with 16k memory ... YES K's).   

Just bought the Nexus this week and still trying to understand what it is and how best to use it.    I wanted an eReader for travelling and decided I'd rather go with a device that has more "smarts" than a dedicated eReader .... so, enter Nexus.    I thought it would be more like a stripped down PC and it IS ... sort of.

Anyway, it helps keep the old brain challenged.

Frank