Clearly they did NOT read carefully if they thought you were shipping outside the US (since the “SHIP TO” address should be right there), but as to the “Foreign Credit Cards” issue they have something resembling a not totally invalid point; It only needs to be a fake card one time for them to get tired of it.
No, I’m not saying you did it (you’re HERE, so you couldn’t be “that guy”). You’re just being PUNISHED for what “that guy” did.