This crap Blizzard is spewing about it not being their problem is just that, crap. I had this problem first a year and a half ago. Soon as it happened, I called my banker. My card was fine. I went to newegg.com and bought stuff and it worked like a charm. I cancelled my PCT and tried it again and it worked. Another time I just waited a day and it worked. This time I just bought retail boxes.