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Ive had this problem all day today with my card trying to buy cod MP3 and i phoned up sony to find out what was wrong and basically what the guy told me on the phone is that its not your account or your card its the traffic level with the bank servers and ps3 network servers and its not going through because there is that much traffic at the one time. So basically if you are STILL having trouble with trying to add funds or purchase MP3 or anything else from the store you just have to be patient and wait like till early in the morning 3-6 in the morning lmao! or give it a couple of days to calm down a bit

hope this thread helped anyone else with the same kind of problem as what i am having to deal with at the moment
rep if you found this helpfull and i'll rep back!