Mostly cause Global collect uses such a crappy fraud prevent system that if it fails once your locked for 24hours. Its why SE really needs to get rid of this crappy payment system and give us another choice, At the moment I am going the same crap just to buy crysta to pay for my account that will be off in 3 days. I tired 3 different cards and even on 2 different pcs and even my tablet and what I get that 401 error. Its funny how I paided for my husbands account earlyer this morning with a different card and it went threw but I cant pay for mine.