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During your Christmas shopping spree, your debit card is declined (due to unknown reasons). Do you quickly reach for your credit card to...

... avoid embarrassment, or do you leave your purchases behind? What if you have resolved not to use your credit card anymore unless it is for emergency situations? (Also, your bank account contains funds and you are unsure why your card was declined).
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kty2777
kty2777
November 30, 2009 12:24 AM
Actually would depend on if I wanted to have to shop again for those items. To save time and effort I'd probably put on credit card ( if I had one! ) but only because I'd want to get the shopping out of the way, I don't get embarrassed by having declined cards or no money, it happens to everyone at some point :)

First stop after than is a phone or bank branch to find out what the hell is going on with my debit card!
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heathersor...
heathersor...
November 30, 2009 01:16 AM
Call the bank from the counter and resolve the issue. This has happened to me and it got resolved.

Next choice, if you know you have the funds, use the card and PAY it with the funds you know you have...
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mpmomof3
mpmomof3
November 30, 2009 02:16 AM
You may have deposited funds and they just haven't cleared your account yet, but I'd check my bank statement online when I got home just to be sure. I'd probably go for the credit card because I normally don't buy something unless I've put some serious thought into it first. I'm a tightwad. My credit card offers cash back and is auto-drafted out of my checking account so I won't be tempted to abuse it. It's all about controlling my money rather than having it control me.
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76tech
76tech
November 30, 2009 05:14 AM
I walk over to the ATM, withdraw the funds and pay cash. It's happened several times, no embarrassment.
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shewolfsil...
shewolfsil...
November 30, 2009 01:26 PM
Our account is set up so that you can use the debit card or write a check so I would just write a check instead. It's happened to me several times. It was slightly embarrassing the first time, but it happens more often this time of year so, I got over it.
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thebandit
thebandit
November 30, 2009 10:05 PM
I don't have a credit card, nor do I carry large quantities of cash, so I'd be forced to go track down the source of the problem and come back for the gifts later.

This has actually happened to me, though. I was trying to buy gas (now THAT was awkward!) Fortunately, I was able to call a relative. It turns out that my debit card had expired, and the new card the bank sent never arrived in the mail. The whole thing was resolved within a few hours, but it was definitely scary. I know I'd be calling the bank as soon as I got a chance.
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