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Added on May 31, 2010, 9:20 amOk issue solved.  Just found out a way to bypass the 3d-secure thing.  And for the credit card info above, What i keyed in is accepted so that is not the issue.  It is between SE and our bank, seems like the communication protocol SE wants is not supported by our bank (charge $1, immediate confirm & pay back).  I called the bank, and they said there is only 1 attempt of RM 3.20 floating charge after my >50 trials.  This shows that our bank is not able to process the charge fast enough as SE want and SE considered it time out & failed to authenticate.

Citibank does NOT support 3d-secure protocol, what a shame.  eonbank not sure.
The method to bypass it I am not sure if still working. Download & install Google Chrome & make it default (IE never work, firefox may not work).

The process is quite tedius, before I proceed, I need to ask a critical question:-
Are you new to the game and need to register new credit card; or are you existing registered player and wish to renew the card info after the old card expired?

This method is said to work only on existing SE account holder.  Some seems to make it work on new account but I do not know how.

www.youtube.com/watch?v=0uRQ-j8cbrY

This has helped many people including me.