Your credit card won't be frozen - but yes, you will have problems. The main issue is that (I don't know why) someone, somewhere decided that the point of sale for an ebook is the buyer's computer. Therefore, author's geographic restrictions that you wouldn't ever have really noticed (because if it wasn't available in Australia, well, you could go to Amazon and pay for international shipping) are smacking people in the face left right and centre.
If you are in Australia, you might want to check out borders.com.au, smashwords.com, feedbooks.com and, of course, Neil's Bewrite publishers site.
