What a headache to just transition from my free month to a monthly subscription! Clearly they have a broken system that is why so many people are having trouble with purchases with cc. I was having the same problem and clearly it wasn't me it wasn't the bank or my cc it was Square Enixs' broken billing system and 3rd party they have handling it. I play on NA server also live in NA. I ended up buying a ultimate game card ONLINE with the cc Square Enix said didn't work hmmmm purchase went through like any other thing I buy online without a hitch. Went back to Square Enix site clicked add crysta clicked ultimatepay other options clicked Ultimate game card entered pin confirmed it was added went back to mog station proceed to payment for 1 char for 30 days clicked Crysta confirmed and viola! I now have 30 days before I have to do it again -_-. It's more of a pain then some of the quests in game were you have to travel to three different regions to get items just to bring them all back and have the quest giver say oh well it looks good but there is just a couple more things i need to finish....sigh oh the life of MMORPG games. Way to bring it into the real world Square Enix. AND PLEASE FIX YOUR BROKEN PAYMENT SYSTEM before you lose more customers and this game flops like it did the first time you released it! Thank you that is all :-p