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An hour or so after that denial, I was able to place an order with Sea of seeds using the first denied card - the only thing that had changed was that the charge was less, this time under $100. I called the card's bank the next day and they said that there was no problem and that it was OK to...

I just tried to place an on-line order at Attitude using a perfectly good credit card (and fully legit name & address, of course - only 20 seeds), and the CC charge failed to go through - "denied by the bank". I tried a 2nd also perfectly good card, and it got denied too. Both were Visas.