From 23rd October bank bank have blocked international debit card payments due to the fraud that took place earlier that month - you can request a temporary release for some sellers - ie booking.com but they will not allow release for apple.com - both my iCloud and purchase in online store were declined and they said it is not on the list to release temporarily- they could give no timescale for fix so can only use for local Thai payment- ie roojai.com that worked no problem