Why is it always at the most inopportune moment your bank or credit card company will decide to put a stop or caution on your credit or debit card? And what are you supposed to do? The only contact numbers on the card are to report if it's lost or stolen. There isn't a number listed on it to call if your bank have put a hold on it.

Although my most embarrassing moment was definitely being stranded at a checkout in Tesco with the card stopped and no cash, this Christmas the bank did it inconveniently again. Twice.

The first time, Nintendo Wii's were back in online stock but because the card wouldn't process they were out of stock before I had time to finish. I didn't get one.

Next day I decided to buy something else, ordering before 2pm to make next day delivery. Again the card was stopped. By the time I had run through a series of ridiculous security questions by the bank (such as "Give me the name of a music store you buy music?" - let's face it, you have a 50:50 chance of getting that one right, HMV or whatever Virgin is now called!) I missed the cut-off so the delivery is now scheduled for two to three days after Christmas. No doubt by then it will have been discounted 50% in the sales.

Is there a better way?. Could the bank actually call, don't they have your contact numbers? But of course some of them do. Recently a friend was left stranded in a panic in Tunisia in the middle of the night when her card was stopped. She had no cash. The bank however had kindly left a message on her home telephone in the UK saying the card was stopped as it was being used in Tunisia.

Being used in Tunisia? Ehh, maybe she's in Tunisia, maybe we should call her mobile? No such luck.

There must be a better way. At least as a start a customer service number should be printed on the card. You might then have some chance, rather than having to take a very ignoble exit from Tesco if you happen to be left stranded with no cash and a refused card.