I was having the same credit card issues everyone is having. Cards declined despite working everywhere else. Turns out an obscure fix buried deep within an older thread worked- use your mobile browser to log in and try to make payment there. Bizarrely, it worked first try!
Stripe really ought to up their game here as this is a clear technical issue. Or at least OpenAI should have more payment options. They’d probably see a bump in subscriptions as many people will just give up instead of scouring old threads to find tricks to get credit card payment to work again.