Payment fixes

ChatGPT says “Your card was declined”: troubleshooting from OpenAI’s official guidance
Why ChatGPT Plus payments get declined and what to do, per OpenAI: bank declines, 3DS, issuing region, prepaid limits. Plus a Stripe decline-code reference.
Claude Pro card declined: troubleshooting from Anthropic’s official guidance
Why Claude Pro payments get declined and what to do, per Anthropic: billing location, exact address match, 3DS, payment methods. Plus Stripe decline codes.