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After using this card for almost a year, I will be switching and closing my account soon due to the fact that if you make a purchase and it's declined, the charge goes through anyways. This has happened to me twice and the merchant has said the money was reversed back but it has never showed up in my account. Oxygen reps have stated I spent the money but how is that possible when I never got the money back? I just don't understand. The transaction is still pending on my account as of Nov 19 2021.
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