Sunday, July 15, 2007

Bad financial embarrassment

Ok, it's not me who was embarrassed, it was the family in front me at the check out counter in a supermarket.

I and my wife was having our weekend shopping to stock up our daily supply as usual. It began when I started to notice that the family in front of us bought large quantity of instant noodle. I told my wife this family is either going for a long vacation or opening a restaurant. In the pile of goods on the counter table, there were also a lot of snacks and junk food.

When came to the final total amount shown on the cash register machine, the wife pulled out a credit card to pay the bill. I can see the total amount and it showed RM240++. Meanwhile, the staff pulled out the credit card terminal and informed the wife that the card is not accepted. As usual, the first card is not accepted there's always a backup card. The wife looked at the husband while handing the second credit card to the staff. The husband said, "You lah" (translate: because of you) and obviously the husband was not being helpful at all.

Second card went in and still rejected. For me, I really felt the embarrassment for this family. The amount is small and the second card still even can't go through (I forgive people who had their card rejected in a jewelry shop but this is just ridiculous). The whole scene was screaming we have a crisis here. Their goods were all packed up and put in the trolley. Me and my wife, plus the rest of the people waiting in line wondering how they are going to fix this mess up. Fortunately, the wife has RM100 in cash and paid to the counter staff reluctantly. She asked the staff to charge the remaining amount to the card and finally, it went thru.

After we have paid our goods, my wife asked me why can't the wife just pay the staff in cash earlier. For me, who do not carry much cash in the wallet would understand that, if you low in cash you would in trouble. In daily life spending, a lot of places do not provide credit card facilities and you need to hold enough cash to survive (e.g. Buying your lunch in the cafeteria). So I can understand why the wife would reluctant to hand over the cash amount.

In summary, what did I learn from others? Always pay your credit card in full, or at least knows much credit left on the card because this will save you some embarrassment. ;)

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