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I agree, the PlayOnline billing system is the most difficult, annoying process ever.
I know of a few people that choose not to play the game because of it.
I would love if they had a time card feature or, Paypal integration.
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Until 2008 it was "clockwork" for me.
Every credit card I used with it worked just fine. After that (they put some sort of block on the JPN service and added 3D-Secure to the US/Euro service, probably to counter RMT hammering their billing server with credit card fraud) and it's been an major headache for me ever since.
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My credit card got stolen, and right at the billing cycle too. So I had to have my card locked and wait for a temp card to come. when I got the temp card I was going to change the payment info I was hit with the monthly bill plus I purchased the 3 abyssea expansions so they charged me $43 to reactivate my account. I thought they charged for that kinda thing right on the spot. But the real dick move was they deactivated my contact ID so I had to pay them another $12.99 to reactivate it.