I've had the VIP problem and more, but I finally, after much trial and persistence I got my VIP purchased again and working.
Maybe this can help someone.
I do not use steam, just direct payment in the DDO store.
So far, I got my VIP back, but I do not know if my renewal will work at end of the month, but... for now;
I was able to remove / edit a couple payment options by 'pretending' to buy ddo points.
you will need to put on your glasses before starting if you haz reading glasses.. lol...
so, click on right corner, 'Buy DDO Points'.. even tho you are not going to buy any... then, pick 700 ddo points as if you going to buy it on the 'not set button (you won't be buying it, it just transfers you to your buying options) ok,
then, it initiates a buying payment area..
then, on the top border under the DDO store words, you will see in
teeny tiny letters (don't know why they so tiny, this is where I had to adjust my glasses and get closer to the computer screen) select 'Payment Sources'..
now all your payment options should be listed and you can edit them..
add, edit or remove..
when you done, a 'return to market button' should appear..
repeat if necessary to hopefully have what you are wanting to do.. it took me a few tries then got it. I also re-entered all my info there, and in the MY ACCOUNT site.
may the Force be with you...