Sorry for not getting back, was travelling.
So after a few calls with the bank I got it figured out. There was a temporary hold on my credit account that the bank put. I'm guessing because it was a new account buying a bunch of game stuff from India.
After having them remove the hold, I was able to get the VPN up and running and was able to pay off the whole balance in Indian Rupees, at the Rupee price. The account got unlocked and it's been smooth sailing for me.
The weirdest part was, Jagex only put part of the total "debt" of the account in the cart at a time. So I had to checkout with like a 3rd of the total price, 3 separate times.