Hey :o

Taking all of the above into account what do you guys think of the following PAY options:

Unlocking my SE K810i CID53 DB2020 over the internet:
1. Which is the most reliable and organizations that can do this service?
2. How much will it cost as I get confused with the "buy 1 credit but you will need like 50 to unlock the phone"?

What do you guys think of rgillyz's:
1. A "simcard unlock card which clips underneath [the] simcard and makes the phone think it still has the original locked simcard in it" (as above)?
2. I looked at the organization's website http://www.dealextreme.com/details.dx/sku.13532 but it somewhat looks suspicious or dodgy - what do you guys think?
3. I get the feeling that this simlock card unlock is similar to e.g. if you don't see optometrist wearing contact lenses then don't wear them yourself). Is this option dangerous to the phone?

Have a nice day :D