Same problem here, couldn't process my upgrade to 13ProMax to save my soul using the Apple Card. I was forced to enter the card # and verification code and no luck. Kept getting messages like "can't process your card" "something went wrong", or "Citizen's one bank denied your loan" (I have been doing upgrade with Citizens for years).
Finally scanned my Amex card with the camera and bada-bing, bada-boom, my pre-order finally got processed with a promised delivery starting Oct 6. 🙁
I next went to order a case, and when I tried to use ApplePay (attached to Apple Card) I get an error message that my ship-to address is wrong. The address was right but the street name was a "court" and not "Ct". There was an alternative address that used "Ct", I selected that and the order went through.
I think for me, the hang-up for the pre-order was an address that AppleCard did not like, so it wouldn't process the order and so the Apple store gave confusing, misleading error messages that did me no good (which of course delayed the purchase and the ship date).
Now I need to figure out how to edit out that problem "court" address out of my Apple Store/Apple Card profile...