How can you cancel an in-app purchase that was declined?

I inadvertently selected an in-app purchase for $7.40 with a $5 balance on my card that of course was declined.  I want to cancel that purchase but now can't get into the app because there is now an update.  I can't update because of the declined purchase.  Is there a way to cancel it?

Because it was declined, it's still looking for the $7.40.  I could put more money on my card, but I don't want to complete the purchase.  And since the App Store is waiting for the declined amount, I can't update any of my free apps because it needs to have $1 available.

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