After searching for a new shirt, you find one in your size that fits. You carry it to the register, already picturing how wonderful you’ll look wearing it. You hand the clerk your card. It fails to go through.
The payment is due on your car insurance. You use your credit card. It supposedly has insufficient funds.
Embarrassed is too mild a word to describe how you feel.
Your task is to write a story in which your character attempts to spend money using a credit card, but is denied. This story needs to shows the range of emotions that she goes through. There might be disbelief at the beginning, followed by hopefulness. Possibly anger. Frustration. Definitely embarrassment.
Begin with the setting: place and time. Readers need to be there as he selects the items for purchase or is waiting in line to pay at a service center. The story could take place at a supermarket, car repair shop or insurance office.
There will be dialogue between your character and whoever is processing the payment.
Have fun with this one.