Pretty sure I ran into this problem trying to use my American credit card to pay a bill from the University of Sussex in the UK. (Note the substring of "sex".)

Pretty sure I ran into this problem trying to use my American credit card to pay a bill from the University of Sussex in the UK. (Note the substring of "sex".) No matter how many humans we got involved, every attempt would immediately lock down our credit card beyond the usual fraud alert locks that I can personally revoke by responding to a text message, and would require a manual unlocking by bank support staff. Finally we just tried the PayPal option and it worked fine.