ok well i was having a similar sort of issue
turned out i had an old expired credit card on my account that seemed to be acting as the "primary" card - went through some odd steps to be able to delete it (had to go and pretend i was changing my card in my EQ2 subscription but really just picked by "second" card again and confirmed) and this then gave me an option on the payment sources screen to delete the first one. for some reason that option wasn't there before.
went back to the pre-order from eq2players.com (no link on the station store pages for some inexplicable reason - it's like they don't want people to buy it!) and it went through this time.
what a palaver - and those account webpages are the worst built pages i have ever seen - what is with the loading time of all the dozens of jpg files?!