Have you entered these details at myaccount.turbine.com? Also, make sure your billing info & adress matches the details on your credit card, and that your postal code has at least 5 digits (no spaces or special characters, if you have any of those just leave them out, and add zero(s) in front of the number if your postal code doesn't have 5 digits on its own.
More info in these stickies:
If all this still doesn't help, you should submit a ticket to account support to receive help from a Turbine employee. However, tickets take up to 2 weeks to be answered and require you to reply to the automated email you receive after submitting the ticket. You can also call them for much faster support, but that might cost you a lot if you don't live in the US.
Last edited by Thornelas; Jun 23 2013 at 08:34 AM.
Fordil of Landroval, Minstrel officer of The Alliance
Check out my Guide for New Players: https://www.lotro.com/forums/showthread.php?507561-GUIDE-New-to-LOTRO-hints-and-tips