card declined but balance charged

so i tried to deposit last night, card got declined right away but the charge still shows up on my bank account. site balance didn’t update and there’s no pending deposit anywhere in my account history, just the regular balance, which is super confusing. i know sometimes banks hold funds even if the casino declines it, but it’s been about 18 hours already. normally if this happens, funds either drop back or the deposit finally hits, but now i’m in limbo.

not sure if i should wait it out or contact support, but i really don’t want to deal with the usual copy-paste answers. anyone else have something similar happen lately? trailguy is getting twitchy because the money’s just floating in the void and he can’t decide if this is just standard banking delay stuff or a sign to never trust these digital wallet things again.