Last night I finally had my 401 error problem solved. Instead of using my card through Global Collect I used the last option called Ultimate Play. I believe that's the option and I bought 1500 Crysta that way with my credit card. If you do this option called your card provider and let them know your doing the transaction this way. This is enough Crysta for 30 days. Enough to get past the block and just play until then. Try again after the block and see what happens I say.