I would believe that error 401 is what you say, except I am able to go through the process again within 24 hours, I simply get the same error. Also, the $1 charge to verify my information goes through each time, so the information is no incorrect, and if a charge was made, then the authorization was not declined. I added my card in the past, with no issue, but as soon as my free subscription is up, my card information is removed, and I am unable to re-add it. That, in no way, sounds like something on my end.