This time last year, I emailed the ACO with my card details. Sometime in January, I checked with the cc company, and realised the ACO still hadn't taken the money. I emailed them again and got a response this time saying the card was invalid. When I checked the original email, I had made a mistake in one character of the card number. I immediately sent off another email with the correct details and it was accepted - this being some 6 weeks after the invoice, and my allocation was intact
So I think is you email the ACO and tell them you will be paying as soon as you get another card, everything will be OK.