Try contacting support and convince them it's your account and cc.
Or if that doesn't work, just buy games using the accounts in psn marketplace.
Founder and Creator of 'Realm of Fate'
Donating for rank? Email: email@example.com ; Choose the 'Send money to friends or family' option or else money won't be sent to me until after a month, it will just be pending in my balance, and I need money to pay for vps and keep the server running! Contact me via Skype (below if you haven't added me already) if you have donated!
Donation rank costs $20, All commands and donor chat color.