from love boat earlier today.  It said that I needed to use another credit card, and there were no obvious reasons why my credit card was declined, so I emailed the site.  About an hour later I got an order confirmation email, and it said that my order was processing.  Nothing has posted to my bank account, but if it's processing I don't know if it's too soon.  I should just be patient.  I'm sure it'll sort itself out, but i want a binder!