Have you tried deleting the card info that is stored on the system and re-entering it?
You can also try adding funds through the SEN site to see if it allows you to do so
https://account.sonyentertainmentnetwork.com/cam/a
Level 3
I'd post this question again in the Technical Help section:
http://community.eu.playstation.com/t5/PlayStation
It could be any number of things that cause this problem, so see what advice you get there.
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