I'm not sure if I'm posting at the right place with small hopes of someone helping me out there.

I'm from Bulgaria. using an EU account and I've been using visa card to pay my sub for good three years and maybe more but some months ago it suddenly stopped working. Every time I try to use it at the mog station I get this.



I proceeded to use crysta and paypal to pay my sub so it wasn't a problem.

However today I wanted to pre-order Shadowbringers and my nightmare returned.
At the site whenever I choose PayPal as an option I get this as soon as I click to continue...


So I tried my card again and I got this...


Yes, I'm certain my card has funds.
It was working wonderfully but some months ago and I was regurally using it on MogStation.
My paypal also has funds.
I've not moved location or used my card anywhere outside the country.
I've purchased Heavensward and Stormblood way back from the store just fine.
Card is not expired or up to expire soon.

... help?