Nothing is worse than having your credit card declined, especially when you're trying to buy your family subway passes at a kiosk under Times Square surrounded by early morning commuters.Don't get me wrong, the people around us were very understanding, if misguided in assuming we'd run up our line of credit. I think someone did offer to help pay our fare in the confusion, but just about everyone else was focused on catching their train.It didn't help that when you're that far below the ground…See More