That being said, that is an archaic method. People should be able to pay with whatever damn method they want. It's not the only problem however. I get errors when I'm the only one who uses my CC.I've been trying to get this sorted since SEP 2. I've read pretty much all of your comments and I gotta say, some of your questions have been addressed by SE. Well one of them. If you are sharing a CC with someone else, you are much more likely to get an error. SE stated this(I don't exactly remember where because they have 213095209345 websites). The CC will be charged to one account, but not the other, resulting in an error and forcing a block on the account. Do NOT use the same CC for multiple accounts. I guess it's one of their counter-measures against RMT.
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