Sorry to hear about your failed bitcoin purchase attempt. Buying bitcoin for the first time can be a real hassle, especially if you're in the US or some other country with strict KYC/AML (know your customer/ anti money laundering) laws. Signing up on a reputable exchange like Gemini or Coinbase is the easiest, and I believe bitcoin.com is selling bitcoin by credit card now. I think there's still a verification process but from what I understand it's not like signing up on an exchange. I've been watching the STEEM charts and I'm waiting to see some sort of bottom consolidation to form. I'd like to buy in soon too. Thanks for commenting and have a great weekend :)