Nearly a quarter (24%) of Britons had their credit or debit card declined during 2013, according to a new study.
The study, by thinkmoney, found that 10% of Britons had a card declined more than once because they ran out of money, whereas 14% had their card declined only once.
Ian Williams, director of communications at thinkmoney, said: "It isn’t difficult to lose track of your spending. And just one unexpected payment can tip you over your credit or overdraft limit.
"But there are ways to stay on top of your finances and avoid the embarrassment of having your card declined in a shop surrounded by other people.
"One way to do this is to make a commitment to check your balance on a regular basis."
The study found that while there was little difference between men and women when it came to going over credit or overdraft limits, there were both generational and geographical divides.
Less than 4% of over 55s had their card declined in 2013, compared to nearly one in five of those aged between 18 and 24.
Those living in the West Midlands had the biggest problem with card rejections, with over 15% having a card rejected more than once during 2012, while under 5% Yorkshire residents said the same.