So, this morning I received an automated email from Apple saying that the payment was declined. I have no idea why and there's nothing that can be done until monday when both Apple and the bank have customer service available.
It's kind of a first world problem but I'm in the middle of some depressing **** right now, involving the bureaucratic aftermath of the death of a close relative, and looking forward to getting a new laptop was what kept me motivated. And now this whole thing is another bureaucratic puzzle to figure out.