For the api to work you need to have billing info on hand in the MCC log in 
and change or add your billing information to a approved card,


Log into the mCC account and goto the billing tab open the billing tab and 
navigate to billing Prefrences

Remember it costs money to use the Adwords API. You get some free credits to 
start with but after you exhaust that you pay the fees listed in their fee 
schedule,

For example to schedule a report call (non-definition) it costs 500 credits 
which is about 0.25 (american). 


- Mike

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Also find us on our blog and discussion group:
http://adwordsapi.blogspot.com
http://groups.google.com/group/adwords-api
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