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I just called the credit card company and before I even said anything they said "there is a problem across the country (US) and mastercards are being declined everywhere, the issue should be fixed in an hour or so hopefully"
this was about 15 minutes ago, my card was declined at several sites but I checked and there is nothing wrong with the card itself or the money available, it's definitely mastercard
so for others with mastercard, check back in a bit