Well, whatever the problem was it seems to be resolved.
I used my card twice with no problem. Kobo support have not commented on whether they did something at their end or not so I'm in the dark as to what happened.
I'm happy that I can buy books again to feed my reading addiction.
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Enter your gc number and pin into a text or word doc, and copy and paste for each transaction - it saves a lot of time
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Yes, I do that with those very long license codes that come with some software programs. It saves a lot of frustration.
I entered the card number so often I know it by heart but firefox remembers it and offers it up completed in case I don't.