Same is happening to myself. Purchased some gems yesterday morning around about 10am with no issue. Then tried to purchase some more around an hour later and all I get now is the “Card approval failed” message. I phoned my bank. No issue their end or with my card. Paypal does not work either. So I give up. Just look at it this way. No matter how frustrating it is for us, just know its got to be hurting ArenaNet more…. in their wallets!