history: One time I went to a grocery store and picked all my items.  However, when I went to buy my groceries, my card declined.  I was so ashamed that I had to leave my groceries and call my bank. I had to leave my groceries at the store today. Why did you have to do that? My credit card declined. I had to call my bank and find out why.
current: Oh I bet that was embarrassing. I have had that happen too.
next: Yeah, I was very embarrased I left the store immediately.