I agree about this being a headache. It's such a headache that I make sure I always have enough money in the bank by the first of the month just to not have to deal with updating card/reactivating characters. Its like a days work it seems like and you're right, everything has to be typed perfectly in billing address field. I really wish they'd fix it but hell, if I've lasted 7 years, i'm sure i;ll be just fine till the end.