The problem with a forgotten credit card is that you can't be sure if it was stolen and can be cloned, so is better to dismiss it and get a new one. Maybe he had a bad morning talking with his bank about it yet so the card was useless at this time.

As per someone else's comment, everyone can have a bad day. I try not to judge people I don't know (unless there are repeat stories, then it's hard not to).

Oh, and never read about your heroes!

Edit: just -> judge. Damn auto-correct!