It's definitely not a commercial thing but political.
I'm located in Hong Kong and using Hong Kong credit cards have never been a problem with online merchants. I don't think Hong Kong credit cards are particularly bad with chargebacks or whatever. OpenAI has explicitly blocked Hong Kong (and China). Hong Kong and China, together with other "US adversaries" like Iran, N. Korea, etc are not on OpenAI's supported countries list.
If you have been paying attention, you'll know that US policy makers are worried that Chinese access to AI technology will pose a security risk to the US. This is just one instance of these AI technology restrictions. Ineffectual of course given the many ways to workaround them, but it is what it is.
I'm located in Hong Kong and using Hong Kong credit cards have never been a problem with online merchants. I don't think Hong Kong credit cards are particularly bad with chargebacks or whatever. OpenAI has explicitly blocked Hong Kong (and China). Hong Kong and China, together with other "US adversaries" like Iran, N. Korea, etc are not on OpenAI's supported countries list.
If you have been paying attention, you'll know that US policy makers are worried that Chinese access to AI technology will pose a security risk to the US. This is just one instance of these AI technology restrictions. Ineffectual of course given the many ways to workaround them, but it is what it is.