I had that problem last year and ended up not playing until HW came out. I tried purchasing crysta and it worked for me up until a few days ago when I encountered an extremely rare error i2501 which isn't anywhere in support and there are only two when you do a google search. My advice is to try purchasing crysta because SE doesn't really do anything about payment errors. You can also buy time cards instead. Try it after a few days though because repeated payment errors cause the system to automatically block any other payment actions from the account for more than 24 hours. Contact support on Monday, use the phone number instead of chat since their phone support guys are very good.