I have this happen all the time because I have a separate account for my card. It’s so I stay aware of how often I’m transferring into it to pay for things. If I’m transferring another $100, it’s because I’ve gone through the last $100 whether I realised it or not.
Works great until it works too well and the card gets declined because I don’t realise how much I’ve spent earlier that day.
It’s honestly more embarassing when the cashier is a highschool kid and they’re probably thinking, “God, I hope I’m not this bum in ten years…”
“ah, that’s a bother. I’ll try one of my American Express cards instead, or perhaps my Schwab card.”
Gotta start with the mediocre card first, so you can spin the situation in your favor.
Cash. I always have a few € in cash with me
In my head: “Hmm… Interesting. You know how these cards are - the bank will stop everything but actual fraud!”
Out of my mouth: “Hehehe, weird, I swear I’ve got enough money… Err… Ah… Let me just, um, let me check if the app is acting up. No? Hrmmm… Let me try again…”
This would be my luck.
