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You've spent months scouring the Internet for the perfect washer and dryer combo to complement your newly renovated laundry room. Finally, you've located what appears to be the perfect match at the right price. Suddenly the deal is off. Your credit card won't go through, and you have no other immediate form of payment to use before the sale ends. It's happened to many of us: You go to close the sale or pay for a meal and are told: "This card's been denied. Do you have another form of payment?" Don't think that this is always a result of sheer financial irresponsibility.