if you've tried using a bank card and had it failed, its actually an easy fix; just have to call bank and have them give the go ahead for the name it came under (they should see it on their end) This was a major issue for players in XI and I've heard a few people mention it here as well. this might work for any/all credit cards, not sure on that though.
I can't remember, but I believe under the crysta option you can buy it via paypal; might be able to work around it that way. I remember them talking about paypal and crysta a long while back...