For the self-conscious: Cashiers generally don't give a fuck about your declined card and probably see declined cards many times a day. It's not worth their time to judge you, is what I am saying. If anything, they are just as broke as you and are quietly sympathizing.
Also, I've had various cards decline 10-20 times over that last decade and not once was it due to not having funds on that account. The majority of the time it's using Amex where not supported. Or entering the wrong pin. Or me not seeing the sign that said debit only. Or me forgetting I had cancelled that card already.
Most systems will specify if it's insufficient funds so they will at least know it was declined for some other reason. As for insufficient funds, I don't judge (especially in this economy) but most often it's because they have the money but just need to transfer it between accounts or whatever.
Chip cards are the worst! 1000 questions and then I still need to use the pin anyways, and then it takes 60 seconds to process. I miss swiping and being done with it.
What's worse I find is self-checkout's (at least in the UK) require a member of staff to clear your failed payment. Like, there's no reason it couldn't just go back to "Try again", instead the light goes red, the single person who has already approved your over 18 purchases, your brought your own bag alert, etc. has to come back on their route of 40 self checkouts to check that you have in-fact not got enough money on your card, and then to stand next to you (or worse, bugger off to someone else) for you to try again or use a different card. Argh.
Oh man, happened to me today. It only worked at different register on 6th attempt.
Edit: But only one of them was actually "Payment declined". That's because the terminal required me to remove the card and swipe it, which I got blocked at the bank, so it obviously declined. The rest of errors were "Terminal payment not accepted" and I have no idea what it meant by that.
if you accept the offer for one month free of amazon prime with an order and then turn off you card so that it declines the order you get to keep the free month of amazon prime or until you mess with you payment options again.
I recall Amazon Prime letting you keep the benefits until the end of the term you paid for if you cancel. They just don't want you to know that while you're trying to cancel.