['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.']
Oh I bet that was embarrassing. I have had that happen too.
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.