yes, I sent them a message, here is what they said:
"
If you cannot resolve the issue through your financial institution and have received confirmation from Apple that your order could not be completed, you may place a new order using a different payment method. To prevent further issues, please follow these steps:
• Use the latest version of Safari and clear cache and cookies before accessing the payment page.
• Before placing the new order, notify your financial institution that you are expecting a charge from Apple and confirm that your billing information is accurate.
• Be sure to use a payment method that is accepted for developer purchases in your region, as presented during the purchase process.
• Confirm that all payment details match the information on file with your financial institution when submitting the new order."
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I followed all the steps, carefully. Today is the seventh time I tried and it's the same. I've never had any problems with the cards or the bank and they tried to help me but it seems Apple is special.
Anyway, if I call Apple support and they solve the problem, I don't want to have to do this every year... I don't want to beg apple to approve my payment every year. This is not how it should work.