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Nintendo eshop payment problem?

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I entered nintendo eshop and added funds. I spent 10$ 2 times (=20$) but it tell me that my credit card has problem. So, my money in eshop still was 0$. However, my credit card account was calculated as if my payment had been successful. I lost my money in credit card and I didn't get money in eshop. How did it happen? Who will be responsible for this problem.


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