Some useful solutions have been offered but by way of general comments, I think:

 

1. It's not good enough for large corporates to inconvenience someone and then just shrug and tell them that they will get a refund. At a minimum, some sort of good will gesture should be offered. Doesn't have to be anything huge but a one-off $50 credit would have reflected far better upon Apple.
2. The OP's misfortune highlights one of the potential follies of having a credit card limit that is too low (assuming for a moment this isn't a case where the OP routinely spends up to his credit limit) - yes there are risks to having a higher limit if you have little self-control etc but there's a trade-off to everything.

There's also a really apparent issue with some Geekzone users not missing any opportunity to rub into others' faces their perceived moral superiority and wisdom. The OP could have just pushed his cashflow for the week to the brink excessively but nonetheless have a reasonable pattern of savings, for all the pompous pontificators (don't) know. Perhaps this isn't the most likely scenario but unless you know things for a fact, it's best not to pass excessive judgment about other people's lives. And MikeB4 raised a really good point: rather than running to the bank immediately and risk a further credit inquiry being put on file, why not just be upfront to family and friends? If the OP is a generally trustworthy person, he shouldn't have too much trouble getting an advance from someone.