iPhone preorder card charge

So this is my situation:

This morning we ordered 3 iPhone 14 Pro Max, 2 from one account and 1 from a friend's account. We used 2 debit cards to pay, 1 for the 2 phones orders and 1 for the other one.

My friend got already into the Prepared for shipping and it was charged on the card.

Meanwhile, I am still on Processing.

My question is, if my card has a purchasing limit of 1000 dollars ( which I can increase only for 1 calendaristic day at a time - bank policy ) do I need to go to the bank and increase the limit every day until the card is charged? As this can be a little frustrating.

Also, what could be the reason I am still on processing ( 1 of the phones is identical to my friend's and we ordered her's after I did my preorder).

And what happens if Apple tries to charge for the amount and it gets rejected by the bank? Do I lose the preorder or I can use a different payment option.

Thank you!