Dude, I think the thing is that you have a bad credit card. My colleague Mike had the same problem, and he was always angry until I explained what was wrong. You just need to change your credit card to a good one. I made a credit card when I took out a mortgage from a loan broker in Doncaster https://doncastermoneyman.com There are no problems now. I pay on time for all subscriptions, bills, and loans and never have any difficulties. Nowadays, it is not so easy to find a good bank with favorable conditions, unfortunately.