how to reinstate a WORKING debit card

Recently, I was hit with a charge that I thought was fraudulent so just like any normal thinking person you contact your bank first to see where it came from. It came from Apple. Two weeks later I’m using a program I normally use on my iPhone when I’m doing a quick edit for videos and none of my add-ons are there. I spent almost 2 hours on the phone just to find out that Apple AI system has banned my card because I refuted the charges.

There is no second chance I never received a email I was told by the gentleman on the phone there’s no way of fixing that and mind you. He did a wonderful job.

My main problem is, how can I fix this issue one time issue? And why is a solitary program dictating fraud, and not fraud or whatever I can’t even use my phone for Apple Pay and isn’t the whole concept of going cardless is to have your whatever former payment in your phone.