I had the same problem with my Ceramic AW S3. I called Lloyds and they didn't have a clue as to what was wrong so I rang Apple and they changed my card details and everything was sorted in 2 minutes. It didn't affect my orderI’ve had this for the last 2 years. Updating my card info makes no difference. Last year I was worried it would affect pick up date but it was fine. When they open in the morning give them a call.