Not going to a store, going to call AT&T

I am not going to a store, I am going to call AT&T and pay more for an account system that works.

If a PHONE company can't set up an account over the PHONE, without making the customer GO TO A STORE, then I can't work with this company. 
They keep saying the credit card was declined, a debit card also declined. You have to go to a store. 
I called my credit card company and there are no holds and nothing wrong and that T-mobile has NOT SENT ANY CHARGES! There is NOTHING TO DECLINE! Like so many others have experienced, the T-mobile payment system is broken again.