I think I found a fix for those credit card errors. MAYBE. I get errors with my 3 credit cards on the same day with a new account.
So I just did twice this way, make new account, add credit card details, then try, get the error. leave the account on my system for a few days and try again, without deleting the card details, I guess it gives it enough time for the dollar to go through and for the card to get associated with the new account.
MAYBE