I received an email around 72 hours out letting me know that the airline tried to process my upgrade but my credit card was declined so if I still wanted the upgrade then I had to reach out to my bank & then click on the link for the airline to try charging the card again.

I called my bank & they had deemed the activity suspicious so had denied the transaction. I told them the transaction was fine & they put in remarks in the system that it was approved by me & would go through when tried again.

I then clicked the link asking the airline to re-try the card. About an hour & a half later I received a similar email that the airline had tried to charge the card but it was again rejected by the bank. So I called the bank back & went through the same process to verify the transaction.

Once I was done with that I noticed there was another option in the email where I could change the card details. Not wanting a repeat with the bank denying the transaction again, I changed my card details & then clicked on the link to ask the airline to try again.

4 hours later I received an email confirming the upgrade.

Flight is tomorrow & there are still 17 seats left in business class.