A traffic jam, or railway boom gates will only hold you proportionate to the time you have to travel to your destination or next appointment.
Credit card fees are always applied the night before your account is printed, taking you just over your limit, and incurring late fees and overdue fees, (for which, when contacted are very sorry.)
(Hang on, that's not motorcycles Murph's. Very sorry. Make it bike payments. Same crooks - different division.)