I pulled into the gas station this morning with the bright yellow gas can flashing on my dashboard. I will do anything to avoid pumping gas, including running my car to the point of choking for fuel. I swiped my debit card at the pump, but was denied access, getting a message that said “Please See Cashier.”
“If I wanted to see the cashier, I would have paid inside,” I mumbled at the inanimate object as I walked away. Surprisingly, it did not respond.
Here’s the deal with paying at the pump; I don’t know how much it will cost to fill up, so when I go in, I never know how much to ask for. And when I’m done pumping gas, if the needle isn’t completely to the “F,” both my OCD and irritation kick in at the same time. One, because it’s not on the “F.” Two, because it’s just that much sooner before I have to go through this whole freaking gas-pumping ordeal again.
I handed the cashier my debit card and told him $25, knowing that would probably get me close to the “F,” but the only thing that irritates me more than having to walk in once is having to walk in twice because I overpaid. (Yes, this is stupid, I know, but this is my pet peeve.) He swiped the card and looked at me with that “You’re a deadbeat” look.
“DE-clined,” he said with a thick Indian accent.
“Impossible,” I stated. “I have $1500 in that account.” He rolled his eyes and swiped it again.
“DE-clined.”
“That’s impossible,” I repeated. I took the card and stepped to the side so the man behind me could check out. I flipped the card over and dialed the number to card services, and was immediately placed on hold. The same thing happened to me less than six months ago; an employee of a super-chain store ran off with a box of credit card slips. The bank decided to shut off everyone’s credit card without any notice, which stranded me at the exact same gas station at the exact same time of the morning. So I figured this must have happened again. In the meantime, I don’t carry cash, and my emergency credit card was frozen in a block of ice in my freezer (Long story, but if you’re trying not to use your credit card, it REALLY works!). The only other option I had was an old checkbook that still had my ex’s address on it, which was all the way back in my car. I huffed back outside to get it, still on hold with Card Services. Throughout this entire charade, Alex is dancing around, tweeting like a parrot: “Doughnuts! Doughnuts!” I grab the checkbook and the kid, still on hold, going back inside, waiting in line for ten minutes only to be denied again when I get to the counter.
“We do not accept checks.”
(“Doughnuts! Doughnuts!”)
“What do you mean, you don’t accept checks?” In my ear, the customer service lady finally answers with a I-hate-my-job-tone.
“Card Services.”
(“Doughnuts! Doughnuts!”)
“I am sorry, but we do not accept checks,” the clerk shook his head. “CARD SERVICES.”
“HOLD ON, PLEASE…” I said through gritted teeth.
(“Doughnuts! Doughnuts!”)
“I have NO gas!” I cried before shooting my daughter a I’m-gonna-give-you-to-the-gypsies-if-you-don’t-shut-up-right-now-look.
“Sor-ree, lad-dee.”
Sometimes you have to take a deep breath. Either that or go completely postal. I opted for the deep breath; postal would have to wait until I bought a weapon.
I grabbed Alex and stomped back to the car, explaining to the lady on the phone that my card was declined despite the fact that I have money in my account, and now I was stranded at a gas station, late for work, with a howling doughnut-deprived 4 yr. old. Thankfully, her tone changed from one of indifference to sympathy. Maybe she was a single mother, too. After a few clicks of the keyboard, she informed me that my card had been deactivated because of fraudulent activity on the account.
“What do you mean, FRAUDULENT? Like, someone has my card number???” Immediately, my heart stopped as I thought of all the bills I had floating, and if there were no money in my account, I was SCREWED. But she reassured me that they had protected my account, and had me verify my last purchase.
Of course, none of this helped the fact that I was out of gas… but thankfully, I was close enough to my house that I coughed the Jeep back home to get my emergency credit card. Ten minutes of hot water later, my card was in hand and I was able to get gas and, to Alex’s happiness, doughnuts.
Moral of the story: carry cash.
So now I’m going through the hassle of figuring out how many accounts have been compromised, changing all the passwords, calling all the institutions… such a pain in the butt. But I’m thankful despite the inconvenience; the headache of account maintenance is certainly better than the stress of financial ruin. I guess that’s just part of the risk you take when you count on digital transactions.