honestly you learn a lot more once you actually run something. i’d keep the first test simple and focus on understanding the numbers rather than trying to optimize everything
I think the biggest thing is reliability rather than the number of cards. If you're running a lot of accounts, having enough cards is obviously important, but stable payments and consistent billing are probably more important in the long run.
Had something similar before. Changing the card didn't help until I fixed the billing profile. Might be worth checking the account itself, not just the payment method.
It's frustrating, but unfortunately not that uncommon. If the account was stable for months, I'd look at recent changes around billing, verification or the website rather than the campaigns themselves.
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