A couple of weeks ago I had a somewhat unpleasant experience (and no, Gareth, it wasn't that I woke up and looked at myself in the mirror). My card was declined when I tried to pay for some shopping. I thought, "hey, no worries, this kind of thing happens from time to time" and carried on with my business.

Then it happened again.

Being the weekend, a time when bank tellers refuse to work (how dare they!), I went ...