Nedbank - Declined Fee

I am being charged a declined fee of R20 p/d (R10 * 2 declined fee) I have called the bank and was advised that it is a Netflix subscription. my netflix account is active I cannot fathom why it a debit is being returned. after speaking to the call centre they now want to charge me for a new card , as an unemployed person I am finding it financially difficult to maintain this declined, last month being January 2025 i paid +-R400 this is now becoming unacceptable.