Hello Otto and welcome to the 'Drome! First round in the mess is on me !
As to your decal problems, here's how I would proceed: First fix the white part of the cross and allow to dry thoroughly and then affix the black part. Afterwards, shoot your gloss and matte over it. I have to admit I don't use gloss or matte coats, so other members might have better advice (your mileage may vary). I've also heard that a drop or two of dish soap in your decal water helps improve things. Best of luck with your build!
Brian da Basher
(currently bashing a Curtiss Jenny from the venerable 1/72 Airfix DH 4)