While this is certainly this is not meant to be any type of smug “gleeful when celebrities screw up” kind of post that is typical of many types of articles seen in various Hollywood gossip rags there is an important lesson that can be learned for all of us after reading the story about Mischa Barton’s credit card getting declined at the grocery store.
In fact, two different credit cards were declined when Mischa Barton was shopping at a grocery store and her friend had to make the purchases for her. Mischa Barton, the former star of the popular TV show “The O.C.”, has had money issues in the past but is not someone that your average person might expect to see having 2 credit cards declined at a grocery store.
Let’s not be quick to judge or criticize as there could be many different innocent reasons for having a credit card declined but let this serve as a reminder to all of us that typically one’s financial situation both ebb and flow. There are good times and not so good times and it is important to have a solid financial plan and to always use credit cards in a responsible way.
Getting a Credit Card Declined is NOT Fun
Going to make a purchase with a credit card and having the credit card declined is absolutely NOT a fun feeling. I can let you know from personal experience that in my younger and more financially irresponsible days the sinking feeling that I got when I would have a credit card declined because I was either living beyond my means or not paying close enough attention to my (very low at the time) credit card limits (and rightfully very low credit card balances as I was a college student with very minimal income).
Credit Card Declined? Look Deeper
Having a credit card declined means that one should look deeper to understand the real root problems behind having their credit card declined. Some questions to ask include:
- Am I living beyond my means?
- Am I not paying attention to my credit card limits?
- Am I recklessly spending without paying attention to my budget (or, do I need to have a budget)?
- Am I an impulsive shopper?
- Am I not being a frugal and price conscious shopper?
There are many other deeper issues at play that can cause one to get their credit card declined in addition to the ones above (although sometimes the problem is just forgetfulness of the credit card limits so don’t be quick to judge).
Credit Card Decline Stories
Yup, having a credit card declined can happen even to a celebrity like Mischa Barton. In fact, it has probably happened to almost all of us at one time or another – especially in our younger and potentially more irresponsible days. What credit card decline stories do YOU have?
- Are there any department store credit cards that approve poor credit?
- How to Avoid Getting Your Credit Card Declined
- The Yin & Yang of Credit Card Financial Responsibility
- Private Label Credit Card
- What are the usual credit card rates for department stores?
- Marukai JCB Credit Card (California)
- ShopRite Credit Card