This happened to me twice, I'll list my problems and hope it helps you
1st time this happened was when I started EQ1, about 2 months later, my account was inactive. I checked with SOE and it said my account had not been paid even though it was a recurring charge. I later discovered that my bank had put a block on it as a preventative measure to prevent internet credit card fraud. I had to tell them to allow the charge and try again.
2nd time around I couldn't log in and I called my bank first, just to check and it says that no charge was made to my account and that nothing was blocked. So I checked with SOE and they stated that my card was declined (with no reason to give for it). I called my bank back and they told me that my card was fine, no charge was received for it from SOE this month. I reentered my bank information online to my account for EQ2 and it took it, haven't had a problem since.
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