Online purchase duplicated

I booked an airline ticket through TravelStart with Emirates. The payment was declined by the bank due to limit being exceeded. I re-booked the following day after increasing my limit. TravelStart notified me that they received both my payments and will refund the one amount with penalties as per the airline due to the cancellation of a duplicate booking! Make sense - how does FNB allow the payment to go though if they notified me it was declined and now i must be penalized and not receive my full payment. FNB should be covering the cost of the penalties so i may be refunded in full!!<br> <br> 2nd problem - how are you not able to resolve the issue of me not being able to receive a Visa Verifying Pin on my mobile so i can make 3rd party payments on line with my credit card !!!