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(+1)

this is not how credit cards work. you probably just have a pending charge on your account and your money is not gone.

also, if the card was declined, you actually did not pay for anything.

if there was no typo anywhere, ask the bank that gave you the card what the problem is.

I agree, this is what is most likely going on. If you go to your banking app or account to view your transaction history, it should say something like "pending" next to your payment to itch.io

If it doesn't fix itself after a few days, contact the bank