Hi Wally,
Sounds to me like your credit card company is trying to protect you. While this is annoying, it's also a good thing. Out of curiosity, what is your card type (Visa, American Express, etc.)?
If I were you, I'd be ringing the card company and asking them why they wouldn't let you buy from PG Music. I'd be very interested to find out about their reasoning because I'd like to be prepared if ever this happens again. I'm pretty sure your credit card company would be happy for you to spend money. They'll co-operate

Regards,
Noel
P.S. Mac and Matt, now I see why you both know so much across so many areas!
Hi Noel,
We got back from our vacation traveling and I decided to give my CC company a jingle (Christmas spirit) and here is the what I found out.
Me: I tried twice on 12/5/13 to order the software. Both times the WEB site came back saying there was an error and my credit card was refused. I double checked my numbers and no I did not have any spiked egg nog. :-)
CC Company: We did not receive requests from PG Music to authorize any charges on 12/5/13.
Me: Sounds like an issue with WEB site.
Me: This morning I called PGM sales and placed the order verbally. I was told that the card was rejected.
CC Company: We did receive the transaction but it was declined since the expiration date (month) was incorrect.
Me: The expiration month is my birth month and even at my age I tend to remember it. Since the number the sales gal entered is one keypad away from the correct keypad, I'm assuming it was a typo.
I travel around the world and am aware and appreciative of the security measures that credit card companies have in place. (CC Company questioned a $30K charge made in Egypt, while we were in Sweden)
It appears that the root causes are a technical problem at the time with the WEB site and a sales person playing in the wrong key. (Been there, done that myself)
Since we're introducing ourselves in this thread...
Had a five piece Polka Band on the East Coast for 40 years. My main "gig" was as an Electronic Engineer designing Analog Integrated Circuits (silicon chips). 48 US Patents. Still have a consulting company that generates extra income for my musical toys, sorry I mean musical tools. :-)
Wally G