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i would suspect what happened is once your funds dip below a certain amount they will increase your funds to match $100 by billing your cc. so you had 14 bucks left they billed you 86 to keep you "topped up" to 100. I would imagine this is standard protocol ( i.e. in the tos )
i understand your frustration about the other stuff though.
maybe learn from their errors by trying to obtain fresh traffic sources and eliminate them
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