Are you already subscribed and you're trying to renew before your plan expires or are you someone trying to subscribe for the first time?

First time

I tried all Malaysia visa master cards but can’t work. Wise too

since its your first time I unfortunately cant send you credits either cause the first payment must be made via bank account

I'd recommend calling your bank and asking them if they're blocking the payment

Am I able to manually pay it? Or top up credits

This is frustrating

I can’t even upgrade to hobby plan for $5

not that I know of unfortunately, credits would also only be viable for renewals so wouldn't help here either