I appreciate the response, help and links... but I've been trying to fix this for the last 2 weeks.
I don't have an unverified card, or a pre-paid card. I have a bank issued credit card, with a bank behind it, that I used for every other game on the planet with no problem.
I have a pay pal account, linked to a bank that I used for all the other games that I don't use that credit card for.
I've been in SL for 10 years off and on... and never had this issue.
I'm never going to call my bank and ask them to "make sure Second Life is cool to be processed". It's insane.
I thought moving to Tilia was supposed to make things easier and safer. I guess by safer they meant you can't use your card at all... so you're "safe".