The most important part was left out: was the application successful in the end, and how long did it take?
you can use only one bank card per person - the payment would be rejected w/o any reason given, so going through the process few times to no avail. Getting visas for the family would require multiple bank cards.
I don't get the problem with my credit card. Might just be switching cards until you find one that isn't crap.
Athens is another one that got me last year.