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The problem here is that you were impatient by your own admission.
Online payments have a host of different security features built in, so too many attempts in a short period that fail WILL trigger automated lockouts.
Now here's the thing - contacting Valve would have done NOTHING because they cannot do anything to fix it. The banking system is something EVERY online vendor uses and they don't have any facility to change it or overrule anything. It simply doesn't work like that or people would easily be defrauding stuff.
So, in future, if you do get this issue again, all you can do is go and do something else and come back in at least an hour or so and try again. If it still happens, then the lockout is obviously longer, and you'll need to come back next day.
That's just how it is.