To clarify, their payment system will block your card under any of the following conditions(possibly more):
-Credit card billing address is too far from current location.
-Credit card billing address isn't in the same country as square enix account.
-Same credit card is being used in multiple square enix accounts(number where this comes into play is unknown, may actually be a $$ quantity thing)
-You're on a known VPN or proxy.
If your cards are being rejected under any of these conditions, WAIT. Each time you get rejected your account(not card) gets blocked from purchasing for a set time period. They're very secretive about how long the block lasts, but Byrthnoth had it racked up to a month at some point so it can be extremely long. If you try again before the block expires, you extend it. Let your block expire(guesswork, but if it fails only try once and then go back to waiting) and retry while not meeting any of the above conditions.
Yes, this is ****ing ridiculous.
Edit: The system applying these checks and blocks is globalcollect, not square enix. SE's support will not be able to help you, and globalcollects support isn't willing to work around them.

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