Purchase from the Microsoft Store

WHen you make a charge, that amount will temporaily show on your account and your bank records should update. I suggest you call your bank and verify that the money was not taken and find out the reason for the decline.

The Microsoft Store offer is only for purchases through the Microsoft Store, which is different from purchasing through the Windows 10 Store. Usually Microsoft Store purchases are only physical copies of the game, which may have been eligible for a $10 discount
on future purchases from the Microsoft Store, but this is separate from the digital-only Windows 10 Store.

Hope this helps clarify things.

Did you purchase the console from a store or direct from the Microsoft store webpage. Rewards offers are only valid if you purchase via the Microsoft store webpage

Regarding your situation, I suggest you contact the support through: Contact us | Xbox Support

They should be bale to help!

Hi there,

it's best to contact the store where you purchased the code from, so for example if it was purchased via the Microsoft Store, please contact Microsoft Store Support .