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I have sold an item on Etsy which needs to be shipped out of state I contacted the buyer and told her I do not ship out of state. I tried to refund her money and it said it said the card I had on file

I recently sold an item on Etsy it was to be shipped at a stage which I do not do and told the buyer I would refund her money. When I went to refund her money it said the card I had on file was not usable. Yesterday yesterday I had fraud activity on my card so I had to order a new one.. The buyer is not very understanding they're understanding and is being nasty . So I'm not sure how I can is there how I can handle or resolve this issue. Please help
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ID
#2946537 Review #2946537 is a subjective opinion of poster.
Location
Towanda, Pennsylvania
Preferred solution
Problem resolved