I have the same issue as the orginal poster, USA credits use to work no problem but now, varies from randomly working to not working at all. Sometimes get the visa OTP code box thats gets smsed to my phone but after that payment fails for sure. With very vague error messages. Lazada wants tons of documents, passport, and statements copies etc.. which doesn't even guarantee they will fix the problem. Representative are stuck to an automated script instead of having someone fix the real problem.