1.0 C.E acc here, was having same problem as everyone, 3 CC's, 2 debits, paypal, UGC nothing worked , what i did to fix my problem was to wait 40 hrs to pass from last time i tried adding cards or movements to my acc, but i did arround 15'ish tries so it didn't lock for 10+ days. unregister my CC information from the old site and leave it unregistered, then i added crista from the UGC card i had.

the only diference i noticed was that i no longer had my character binded to my Legacy account profile on Mogstation before i made the crista payment, 40hrs before i did, and you could see my profile binded on my acc, IDK if the unregistering did the fix or i think it got "Ninja" fixed ... hope this helps.