Getting the 401 error after trying to add some crysta. Called my bank to ask if there are any issues with my card and no problems there. More than enough funds in the account too. You would think having a good payment system is a priority for any company but I guess not for Square Enix. They should really just put Paypal back as an option. One 401 error and you are locked out for at least 24 hours. And they don't even warn you that lockout will double after each try.