question, is there a way to prevent sales order creation for failed CC authorization/charge for commerce? do not want ot create a user event script if possible.

Try enabling/checking “Process an Online Payment with Sales Order Creation” under Shopping Preferences on your website setup. https://docs.oracle.com/en/cloud/saas/netsuite/ns-online-help/section_N2567548.html

If your payment processing gateway is correctly setup + what @wbermudo mentioned you should not be getting SOs for failed CC authorizations.