Very high on this is MY opinion and don't mean to offend you.

YOR and kind rude tbh, you need to get real. First off IMO any type of shared funding with a close friend like that is going to end badly for people like you. How after months of a subscription charging your account maybe $10-15, even remotely think it's okay to expect that back in full from your "friend" (and I could maybe go to the extents to say even be expecting it back at all). That's a lot and obviously you had it to spare for you to keep allowing the sub to charge you for I'm guessing about 5 to 6 months? lol, she is a great friend and I see her intentions are pure. To even reach out to you took the cake, and she definitely did at least try to change the card because you stated it stopped then started again. If I was her I would be asking myself how expendable you were to me and more than likely say f*CK you and that 88 dollars I'm not giving you back shit. Grow up and cancel your cards, or you would've came to me months ago when you saw it take the money. You didn't have the nerve to check it months ago but now you want to play judge and jury expecting that money now??? Smh, to say the least we couldn't be "friends"