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An expired domain isn't immediately permanent. For example at Namecheap you get 30 days after the domain stops working where you can renew at the normal rate, and it isn't actually auctioned off for at least 70 days. YMMV, it's a good idea to check your registrar's policy.
All of this depends on your missing the multiple emails telling you your card has been declined in the week before the domain expires.
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