The store is back.Everyone chill out with the payment thing.
Basically when the orders go live the Apple store goes into a limited mode. You can’t see your previous orders or make changes to orders. I assume this is to make the store more reliable for the spike in demand.
However this year the orders have been changing to preparing for shipment far earlier - which means your card gets charged. Days pass before this happens on normal years. Cards getting charged = cards getting declined.
However, they are charging cards before the store is back to full functionality.
So wait for the store to come fully live and then it will say you need to update payment info and you can do that without calling.
The plus side of this system is that it means you can get your payment declined but still have your place in line, so long as you get it sorted in a day or so.
Which is why we like Apple.
One of my orders had the payment issue. One click to retry payment - done. No delay to delivery. No waiting on hold for hours.