I had to chuckle. I never thought about freezing the credit card, but I might just do it. I had my own embarrassment Saturday when my bank card was declined. I had to whip out cash, but I was perplexed. Apparently there is a limit on how much you can spend? LOL! I bought a new computer, thinking I was doing the right thing by using our bank money instead of my credit card... unfortunately that made $100 at Lowes more than my daily limit. Lesson learned. Still embarrassed!