Replied in the main forum, but basically you're gonna have to call SE and yell at them and make them take your credit card. I had to do this myself last week. SE requires the Verified by Visa or Secured Mastercard, but not all banks participate, and if you're getting an error, it probably means your bank doesn't use VBV/SM. Write down the specific error code SE gives you (probably USC-5313 but double check) and have that ready. Once you give them the magic code, they'll override your credit card to reactivate your account.
Laaaame-o. SE contact information is stickied at the top of the main FFXI forum.
Edit: The first three add-ons are just storyline scenarios. Amusing, but they only added a few pieces of custom gear. The newer expansions are Vision of Abyssea and Scars of Abyssea, which are DLC only and will required an extra $10 once you get inside Playonline Get Vision at the very least, as that is the new level 70+ exp area.
Edited, Nov 10th 2010 12:48am by catwho