Oh dear, I know that feeling when the card gets spit back at you. It happened to me a few weeks ago - and I knew there was money there because my disability had just been deposited. It was embarrassing when my card was refused on both my chequing and savings accounts - ack. I went into my bank .... and apparently my card had expired only the week before. Obviously I hadn't looked closely at my card - and who knew expiry on a bank card was even a thing? Grrrrr.
They love to mess you about. Thats the truth, plain and simple!