I think all of us can remember an experience like this.
“Anyone who has had a credit card declined in a public place like a store knows the news almost always sounds as if it is being delivered via megaphone by someone convinced to the very depth of her – or his – soul that you don’t pay your bills. Ever. I have a thinner skin than many, perhaps, but for me the experience is mortifying.
Late once on a Sunday afternoon, back in town after a restful Laurentian vacation during which I didn’t even open my wallet, I handed over a credit card to pay for groceries – and it was refused. Shoppers behind me in line at the west-end Provigo expressed noisy impatience as I asked the cashier to try the card once more – and then again. I chose the few items that the 20 I had in my wallet would cover and slunk out.
The card had been compromised while I was on vacation, it turned out, used at some online gambling site out of England. Mind you, I learned this only after calling the credit-card company to find out what had happened. I realize that credit-card fraud is a huge problem and appreciate that the card was cancelled for my own protection. But it would have been good of them to have informed me.
Many people use a debit card in place of cash and so did I – until mine was cloned and someone withdrew hundreds of dollars from my account.
I carry a couple of credit cards now and pay them in full each month, assiduously collecting the various miles and points associated with the cards – and even occasionally reaping some rewards, usually in the form of airline tickets.”
You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.