First you need to find what region your xbox live gold is tied to.  You need to make sure that the gold region has a upgrade path to GPU.

You need to then tie in a credit card to that region.  Use an address/post code from that country to get that credit card accepted.

I have gotten MBB and PB to work in the past.  What you could try doing is contacting your CC provider and making sure that it is not the bank blocking the transaction.

What error are you getting when trying to register your credit card?

OK the problem is changing the store to US is not enough because your xbox live gold might be set to a different region.  Contact Microsoft support online chat to migrate your account to the US if that is who you want to buy game pass from- with the problem that you are having trouble redeeming a code to avoid speaking to a bot.

edit: I'm guessing but I'm assuming you already stacked 3 years of xboxlive.

Your best bet is contacting MS Support.  They know that you probably don't live where you're trying to buy GPU from and they can troubleshoot your account. 

When i purchased GPU just last month i bought it through my xbox without a VPN with a CC connected to the US store after going through MS Support.

try getting the GPU upgrade from your console directly, make sure your console is connected to VPN first, in your case VPN to US region

that's how I managed it last time when my local CC doesn't work

Getting the same thing from console. Need backup payment method. ☹️

Glad it worked out for you.  GPU is the best value in gaming at the moment - but the hoops that we have to go through to get every Malaysian user online is super annoying 

I'm thinking the best advice that can be given is "contact MS."

gold or ultimate worth it ya?

now the promo usd 1 for 1st month?