here is the tip i succeed . im not sure if its the real solution , and i havent tried on auto renewal methods .

1.go to mog station .
2.select 'square enix account setting' tab
3.select 'register/update payment method'
it will lead you to another page, and select UNREGISTER first.
i believe this will clean up your payment info.
(i followed the customer support advice, i decide add crysta instead of use my credit card.)
and I choose credit card as my crysta payment method, it worked.

i have to mention, i got same error when i tried to add crysta by ultimate pay or credit card before i tried those tips above,
i hope it could help u guys.