I have had some friends have this issues, I use to subscribe to ffxi also for many years, works if goes through them, but not there 3rd party system., and when they went to 3rd party billing. There are alot usa banks and states, That can not accept the payment if, That said third party accepts money from online gambling sites also or your bank has not verified it not a online gambling front. Most banks flag a 1$ dollar charge and blocked your CC. They think it a hacker hacking your card also. I would recommend EVERYONE, Just set up a paypal account and buy the ultimate game card. It best route that works. and if use both those customer service. They get it fixed in 10 minutes.