Sunday, November 12, 2006

You Make The Call: Your Card Declines ...

Okay, so what sucks worse:

(1) You're making a high-dollar purchase at Tiffany, and your credit card declines.
(2) You're making a low-dollar purchase at the Salvation Army Thrift Store, and your credit card declines.

My wife (aka Battleaxe) stands fervently behind option (2).

"If you can't clear the checkout at Salvation Army, of all places," she says, "that really sucks. When you can't make a purchase at the Thrift Store, you've hit bottom."

I, on the other hand, tend to focus on the "righteous indignation" side of this. If you're an Escalade-driving, Prada-purse toting glamour-wife who's shopping Tiffany & Company, you likely have a Public Image to uphold. And when that sweet word DECLINED gleams back at the sales associate, then said Public Image just took a sizeable whacking. For you, it sucks. For me, it's an opportunity to throw discretion to the wind and laugh like hell. (Makes me smile just thinking about it, actually.)

Two different scenarios. Same outcome. Totally different reactions, probably, if you witnessed them firsthand.

— Posted by Michael @ 11:52 PM


I agree w/ you. It would be worse to have a card declined at Tiffanys' than Sally Ann's, b/c Sally Ann cashiers know that they have low income people shopping at their stores, and, to my way of thinking anyways, would be more understanding. Never been to Tiffanys', but somehow, don't see them being as understanding.


Sorry, I gotta go with a third choice. Meeting your new girlfriend's parents for the first time and treating them to dinner. Waiter comes by and sez, "I'm sorry, sir, but your ..." you know the rest.


Probably Tiffany would be more gracious in dealing with a cc problem. They have experience in dealing with underfunded, over-extended wannabes, and the situation will be handled with the utmost delicacy.

Trying to hang paper at a thrift store is simply tacky.


"...and the situation will be handled with the utmost delicacy."

That's perfectly worded. I like it.

** Comments Closed on this Post **

Thoughts on my personal finances, goals, experiences, motivations, and accomplishments (or lack thereof).

My financial life began turning around when I took responsibility for it.
— Dave Ramsey


Start (2005-12): ~$21,900
Currently: $0
[About Our Debt Paydown]


Savings Goal: $15,000
Currently: ~$15,115
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