Probably no one following tis thread anymore but I did want to report I solved the problem. It wasn't the credit card or the software or a Barnes & Noble problem. What is was, I was trying to buy books while physically in the UK from the B&N US site. As the books weren't published yet in the UK, the software was tossing me out. It would of been helpful if the error message was more specific but there you have it. After all his frustration with B&N I took delivery on a Kindle Paperwhite yesterday.
The Glowlight was a fantastic e-reader let down by, I believe, a badly run parent company.