COD fee not applied after failed credit card payment

Hello. Here is an issue I have faced. I have a fee at 1.5euro on COD.
If client tries to pay with credit card and puts a wrong card, he is redirected back to order-received page with failed payment. There are two buttons (pay, my account)
When client his Pay, he goes to order-pay page. On that page COD is visible as payment option BUT there is no fee applied when toggling payment gateways. Client can purchase without paying the extra fee.

Any thoughts?