I had same problem when I setup my accounts a while ago. My solution was to wait until the morning and goto school and try 5th account. My buddy also ran across the same problem around a year ago. He gave me the information for the account and I set it up for him. Granted you want a good buddy if you are givng CC info to.

Best of luck.

edit: I think I got pissed when I ran into this problem and just kept resubmitting it. Which then lead to a bunch of temp $1 charges. So many that my CC actually shut the card down. I had to call in and listen to a person rattle off like 20 charges.