I had the exact same encounter... tried 4 or 5 times..

then did a google search on the error and found out many people worldwide, not only malaysia, had the same problem.

Immediately called the bank and yes, there are 5 transactions but is UNDER PROCESS. So i asked them to cancel all the transactions that is pending and block my card from any online transactions temporary (just in case)

I did not get charged at all, but then the amount has already been blocked out and deducted from my total credit limit, which has now been fully cleared after about 1mth ++

Hope this helps..

Cheers..