Update: To Whom it May Concern...
I waited 24 hours. I called SE a second time before attempting to make a payment with a credit/debit card originating from the same country as my IP. The customer service representative told me to call my bank and make sure it wasn't blocking the transaction. I called my bank and they told me SE had billed me 1 dollar transaction fees for each attempt. So, I log in and try again with my american debit card and I get Error 401, yet again. I decided to attempt post 322 method but never got past the error message. This was the last straw, I called up the SE phone support for the third time and got mad. They "escalated the issue to the billing department" told me I would have to wait until I got an email back from them.
So, I tried this:
Verbatim.
Went to Offgamers, bought a hundred dollar card (don't want to have to do this again in 6 months).
Funny thing is, I tried paying for the ultimate game card on offgamers with my american debit card and it got refused, however they accepted my french debit card!
10 minutes later, I have a game card serial key via offgamers account (key is not region locked because it is a virtual gamecard, works on all regions!!).
Tried to buy chrysta with the game card key via mogstation ultimate pay option for ultimategamecards, got refused.
Called up Ultimate Pay and they were able to transfer my UGC credits into chrysta in less than 5 minutes.
This whole process literally takes less than 30 minutes to do (granted I had to stay up til 3am for 9am EST finally to roll around)
Anyway, good luck to yuh! I cerainly don't trust SE to get back to me about this issue any time soon and I feel stupid for not having done this first thing because the people at UltimatePay fixed in five minutes a problem that has taken days for SE just to recognize.
Update 2:
Just spent my chrysta. 90 dollars of the hundred got me 6500 Chrysta; enough for both 180 days subscription and the digital collectors edition upgrade. Hope this helps!