I, me, Gracie, the 73 year old girl from Ohio would have just put it back, gone home and got the cash or the "right" credit card and paid for it myself or not bought it at all.
AND, I am pretty sure most of the people I know well would do the same.
Now if someone was buying food, it might look a little different on both sides.
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It is better to laugh than to cry.
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