I hate it when this happens! The decal wrap hits the short upper launch lug.
One way around this is to cut the decal and make a flap that will be cut off later after it dries.
On the left, the cut slit allows the decal to sit underneath the launch lug. The upper red stripe is actually going around the top of the lug.
The checker pattern didn't match up! Another reason why I hide the decal meeting point on the back/launch lug side of the model. I did my best to trim the overhang but the thin decal didn't cooperate.
These were very thin decals and probably could have used a acrylic clear coat to thicken them up before soaking. But - kit supplied decals shouldn't require that from the builder.
Two decals tore when sliding off the backing paper. Other decals wanted to fold under and needed careful transfers.