Through most of my life, things have gone smoothly with my credit cards.  I always make the payments on time and I make sure to keep my spending to a minimum.  But there was one point in my life where I had some problems with one of my cards.

Things all started when I made a payment at the bank on the due date for my minimum payment.  You see, it was close to closing time at the bank, but I was lucky enough to get in just before it closed.  But, I had to wait in line to make my payment, and then I was on my way.

The problems started when I went to the gas station to fill up my car and the credit card processing device on the pump declined my card.  I had to go inside to talk to a clerk as I was so embarrassed that it had happened.

I went home and made a call to the credit card company.  As it turns out, they froze my card as they didn’t get the payment that I had made at the bank earlier.  I learned that I need to make my payments early so that I don’t have any problems using my credit card anymore.