With their attitude to block for security reasons any payment through the internet at a non multinational company in a foreign country credit card companies do not decrease the speed of their own demise in favor of bitcoin.

Concerning your issue: For a national train ride in Switzerland you do not require a seat reservation. You can buy your ticket on spot and even pay with cash. Only their "Supersaver Ticket" are cheaper than buying at spot, but those are only valid for the train you bought the ticket for. So, your flight is delayed and the money is gone.