Probably something on CC company side - I had similar problems with CC and Apple - my CC company explained it to me, that "usual" charges were something between $0.99 and $9.99 and that order of MacBook Pro was for them "unusual" - so they declined it as an additional "protection". Stupid, but make a sense.
Here is what PC World is reporting:
Microsoft makes good on cancelled Surface Book pre-orders
I am just going to have to wait now...