Whether unfounded or not, I’m always anxious when I pay with a card at dinner.  Here’s one scenario I imagined…
 
Our waitress walked up, after we finished our dinner, and asked, “Did we save room for dessert?”.

“No way,” I responded, “We are stuffed!”

She persisted, “Well, how about an after dinner drink, or a cup of coffee?”.

“No thanks, we are done.  It was delicious!” I said has I handed her my card.  “Go ahead and close us out, please.”

A few minutes later, our waitress sheepishly returned.  “Sir I’m sorry, but your card was declined.”

I replied, “Well in that case, I’ll have a bottle of your finest Scotch!”