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ive never heard of a credit card decline costing fees to the consumer, but to answer your question, you can set up to fatally decline certain responses, for instance "card reported stolen", "call bank", "no account located", etc responses, those that would never get processed no matter how many times you retry them
then for responses such "insufficient funds" or others that may be a temporary issue, you can retry after a certain amount of time like a week or so. I know on the mainstream side, they know days that are better at retrying those transactions, like fridays or around the 1st or 15th of the month.
on the adult side for instance, i think epoch has their system set up to retry on fridays
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