By Dr. Steve Sjuggerud in DailyWealth:

The older guy in front of me in line has a stack of credit cards the size of a deck of playing cards.

"So how much gas d'ya want?" the convenience store girl asks.

The guy shuffles his stack and tosses out a Capital One card.

With his penny loafers and turquoise polo shirt, the guy is dressed like a typical wealthy coastal Florida 70-year-old. But he might not be as well-to-do as he appears...

"Declined," the girl says.

He reshuffles and tosses again. "Declined again," the girl says.

I glance at his car poking out from behind the gas pump... It looks like a red Mercedes convertible, top down...

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