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I LOVE to decal!!
I put microscale liquid decal film on all the decals I make. It can be thinned with rubbing alcohol and sprayed in light coats or brushed on dinky decals. I don't worry about my brand new decals cracking, but it keeps the ink from running on the inkjet decals and seals the surfaces on the laser printed ones. Lots of decals that were past their prime were saved with this. Store it upside-down or it will vanish!
Then two, try putting the water on the model and massaging the decal into it until the decal floats free from the backing paper. I have had success setting decals with a bit of Future under them. A Tom Bly airliner trick.