Thanks for all the replies.
To answer the questions - yes, this is property that does not provide room service per se but has a system (as I was told) where you order, pick it up and sign for the tab (as I did in this case).
I did ask immediately what was the issue with the CC - my furst response to the call.
The room was not guaranteed via Expedia etc - there was a standard form filled out at the Front Desk which was for the entire stay, so they did have it on file.
I was quite appalled. The hotel claimed they could not process the card later on, but this turned out to be incorrect as they were. However, I was dissatisfied with the experience, and more importantly the lack of recognition of the inappropriate level of service or an apology and cancelled the remaining 3 days. No I suppose if they thought this would be the case, they would have exercied greater care. You wouldnt expect this(I didnt) but local standards can differ, I presume. generally dissatisfied and felt that a full refund (at least) and apology was in order as no explanantion was provided by the hotel.