My bank does not participate in the 3-D Secure card system. I have talked to several people at the bank about this, they just don't use the system as they have their own fraud department. (Which, by the way, is incredibly on the ball.)
My question for Square-Enix is this: why are you making it hard for me to give you money?
I called the Customer Service line because I have to change my Credit Card information (BTW, awesome that it isn't toll-free, I should have to pay for all 30 minutes that I spend on hold) like I have done in the past. The customer service representative that I spoke to asked me what error code I got when I tried to change my account. I said that I didn't get an error code, because there is no purpose to go through that process when my card does not participate in Verified by Visa/3-D Secure, but he insisted that I have to have an error code. (Even though I did not need to do so in the past when I called to change my Credit Card info.) So I go onto PoL to change my card and get the error message UCS-5310 because there is no purpose to opening the Authentication Service because my card does not have a 3-D Secure password. I call back, and the customer service representative assures me that this error code means that my card does participate in the 3-D secure program, and that everyone at my bank with whom I spoke are wrong. I called my bank again, the bank's representative and her supervisor both confirmed that my bank does not participate in Verified by Visa.
The tl;dr version: Square-Enix is making it hard for me to give them money.
I am not going to throw a hissy-fit about it and RAGEQUIT. I want to give you money for FFXI, I enjoy the game and want to play it. The fact that money cannot be exchanged from me to Square-Enix is not from a lack of trying on my part. I know that they are going to add in the whole "Crysta" thing sometime next month but once more that is yet another step between me and giving them money, and it is also some time next month.
So, I guess I should ask, is there any way that I can resolve this problem? I suspect that the answer will be "Wait for Crysta" if I even get an answer at all.