Can't use Gems

POGO only wonts to take are Money ... the first time trying to use a bought Visa card they take it and put it in my Wallet account 3 years ago they still wont let me use it ??? and they never ever HELP WITH ANY THING NOTHING .... really wont all the Games they us to have Back .. anything better than this scammed up Games you can't reach them at all. BUT They will send you renewal of membership and take your Money and will never ever will they help. they owe me over 450 GEMS and won't give them back ???????