Hi Kronckew,
I too lost out on an auction, I put a bid in (manually) with 12 seconds to go....but instead of the confirmation screen...I got a paragraph about buying weapons...so by the time I went onto the next screen ( which is now the confirmation page).....the auction had ended.

Lost a 'sleeper'
To say I was unhappy, would have been the understatement of the year
I TRULY SYMPATHISE
Regards David
As to the credit card fiasco, I contacted eBay and was told either give the credit card details...or amass good feedback.....strange I have well over 500 feedback at 100% ...