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While on a call with an emotional customer, the credit card they provide to purchase your service is declined by your system. They become even

While on a call with an emotional customer, the credit card they provide to purchase your service is declined by your system. They become even more agitated and swear it has the necessary funds.
What would you do?
Advise the customer of the declined card and suggest they call back when they get things figured out so you can help them right away.
Advise the customer of the declined card and apologize for the issue then ask if they have another card or a family member that can assist with the payment.
Explain to the customer that their card was declined and ask them if they'd like you to try again using different card.
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