Ah yes, but having a valid bank account, valid debit/credit card, and money in the bank is not enough. Even being a loyal customer for ten years doesn't help!
For payments to go through, you have to make the transaction during Full Moon, and during a Total Lunar Eclipse, and while chanting ancient sacred prayers in a room full of candles and shrines and incense burners. Don't forget to wear a lucky rabbit's foot, incase the other things are not enough. Happy New Year lol.