After that kind of hassle, the right thing to do would be to credit your account with enough money to purchase the game or something else if you prefer.
I'm not a believer that every inconvenience needs to be met with free shit, but charging your card 5 times (which, as you mentioned, shouldn't be possible) is enough to warrant it in my book.
And, while we're at it, there should be no circumstance where you have to delete game saves.
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