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Not an option.
1) Steam won't add my card
2) it's convienent
I did it just now. Everything is fine.
Now, I want to contact steam, because it's clearly a steam issue. I browse steam help interface & I didn't find a way to complain.
https://store.steampowered.com/checkout/?purchasetype=updatebillinginfo
If so ensure you correctly enter everything in, any mistakes will cause an error as it has to match whatever your credit card is, that incude Card number, Expiration date. First name, Last name, Billing address, if 2nd address add that as well or leave blank if none, country, city, zip / postal code, and add phone number if you have one on your steam account. If you don't put the full details that the credit card shows on their end it just come back as an error as Steam trying to make sure it matches all the way.
Another option is just use Paypal.
I would suggest contact Steam if your dead set on adding your credit card, and keep on getting payment errors.
https://help.steampowered.com/en/wizard/HelpAccountDataQuestion