FINALLY GOT IT WORKING.

No idea why. After a month and a half of bullshit here's what I did:

1) UNREGISTER your card from your account.
2) Wait 24 hours from the exact time you unregistered (I waited 25+ to be safe).
3) Re-register your card and try to buy something (Purchased fantasias and my retainers again I used IE for it with no plugins/extensions).
NOTE: 3.5) If errors persist after 24 hours unregistered, the only other thing I can think of is to wait 30 days.