How to handle Customer-inactivated Credit Cards while Order is unfulfilled?

Hello;

We routinely encounter a problem that, to me, appears to be a significant design flaw in iStore / EBS functionality.

We are 100% Dropship.  Customer shops our site, fills their cart, and proceeds to check out with a Credit Card.  A successful Authorization is obtained for the order amount / card used.

A few days pass, as our vendors dropship the goods to the customer.  We eventually process the shipment in Oracle (PO Receipts) which then allows Autoinvoice to generate A/R.
If anywhere during that time (from initial Card Authorization at the website, to Autoinvoice job) -- the CUSTOMER chooses to Inactivate the card that was used, by "deleting" it from their Payment Book, within their logged-in iStore Account, the Autoinvoice cannot process, nor can we create an Auto Cash Receipt to charge the card in question.