I have no experiences because I only buy things I have the money for.
Why the hell would one go to a restaurant if one did not have the loot to pay the bill? heh
This is just a hypothetical question on your part though, OK.
Well as I mentioned, I would not knowingly go to a restaurant if I did not have the money to pay for it, BUT IF a credit card that I was relying on turned up bad, I would ask to speak to the manager/owner/highest ranking person there immediately. Why? Because that way it looks like I am trying to solve the problem and being proactive about it, rather than looking as if I hoped no one would notice – I would bring it to the highest ranking staff member/owner first. I would talk to them outside of public view. I can also be quite persuasive and being that I would come up with probably the best solution first, he/she would probably just go along with my recommendation: that I would come back with the money.
I hope I did not give anyone ideas on how to rip a restaurant off if a member were to read my post. Also, the owner/manager may require some collateral, so don’t get any ideas people
I don't know if my answer is the kind you wanted, MDCmotorsports, but I entertain the thread/idea.