For the sake of the argument, the OP could be having the same issue as myself....or it could just be a big troll...
My bank keeps denying the charges when i try to choose the direct payment method. I have contacted them about this issue and they insist that it is an SE problem. SE says the same thing about the bank. There goes that option for me.
Next was clickandbuy. Considering the bad rep they still maintain and the fact that when i was trying to set up an account, i had to call at a certain time of the day and it could not be on weekends really ruined this option for me...especially since i live overseas.
Last option was crysta....which i now use. Except, to use this option, i had to go to a third party vendor, prove i am who i say i am, purchase ultimate cards, apply cards, purchase crysta, apply to account then i could play. I run into the same problem when trying to buy from UP as i do when trying direct card method so it forces me to find other alternatives. Paypal was also not an option, kept on getting some kind of paypal express error or something.
Also, before i get flamed for whatever reason, I tried for weeks and weeks to resolve all these issues to no avail.
long story short, don't be rude to people and try to assist. You may not know the actual problem or story.