My husband and i have been trying to fix our accounts for awhile now. For Click and Buy, you need to make sure you confirm your account on their website. We had to do the confirmation(or making your account verified, if you wanna get technical) where they charge your credit card, or bank account a dollar amount between $1.00-1.99 (and make sure when you enter the dollar amount on their site you ONLY put in the CENT amount. No decimal, and no 1, or you'll have to do the whole process over again. Since the $1. is automatically set for you.) As soon as we verified the account we were able to reactivate our characters.

And according to Click and Buy, the error is the fault of square enix putting a cap on the amount you can spend at a time (when we spoke to SE, they blamed ClickandBuy saying 105 is their error and they had no idea what the error was for).

Oh, also. There is a chance you'll have to call your credit card company or bank after Click and Buy does the charges. When they charged my card, they suspended my card until i called to verify i knew about the charges that were made since the company is based in Europe.