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New T Mobile Sim - can't add credit.. please help

Have bought daughter a refurbished iphone 4 for her birthday, she wants to PAYG and will be mostly using our WIFI for internet. TRied to top up on both T mobile website and through 150, have tried to do with my CC and debit card, but its says I am already on maximum for this account, she has nothing on it.

What do I do please?
Morgage till Nov 30 GOAL MFW Sept 2016
Aug 11 - £100k Aug 2016.... It's GONE!!!!!
2014 GOAL HIT 5 Stone! 2016 GOAL to be a MF marathon runner.
"A goal without a plan is just a wish"
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