So to summarize, and I think this answers the original question, these are two legitimate seed sites, one a breeder and one a bank (and a breeder as of late). If you want a good list of who the good breeders are, look at NASC breeders list. They've done the homework for you. They're not going to list any bunk companies on there. You're not going to see the fake bulk sellers passing themselves off as breeders, like Pacific, MSNL, Grower's Choice, Oaseeds, etc. Only top-quality real breeders. Stick to that list and you won't go wrong. Price wise, NASC is big enough now to give you the best prices, their Barney's Farm prices are a few dollars cheaper than going direct to BF for example.
For the double hit to the card issue I have a feeling that will work itself out at my bank and I kinda want to wait and see if they do catch it. I'm not worried about Barney's Farm, they're obviously legit. If it goes through, then I'll contact them and get it straightened out. No biggie.