The declining the transaction isn't really the problem, and not what I was referring to as 'incompetence'; it's something that happens pretty routinely for online orders for expensive electronics. The problem is that Nokia know that, and should behave as other retailers do and simply hold the order pending authorisation, which usually only takes a few minutes to sort out. What they did was to completely lose the plot and cancel the order outright. That's what I'm calling incompetent, and it is.