Jelsma was furious when she later learned the payment had gone through, sending her card beyond its $1500 limit.
She was still waiting for a refund.
"ANZ can't explain it - waiting for a manager to call me back. They're scrabbling for answers, even tried to say it was something to do with me having a business account with them. It's a personal card," she told Fairfax.
"To add insult to injury, I've been with them for many years, and after my separation I tried to get an increase on my $1500 credit card limit, they flat out declined me - never been in debt, very careful with money, but they said my income wasn't stable enough. So this is outstanding logic."
Jelsma now wants compensation for the time she has spent trying to resolve the issue, and for any bank fees charged.
A spokeswoman for Countdown told Fairfax the charge had been reversed but there had been a delay at Jelsma's bank.
Countdown's head of online had contacted Jelsma and offered her a gift card and credit.
The Herald is seeking comment from ANZ.