[Czarnian]

Except it's not a very good idea. It's actually a very poor business practice.

Dude's got no one else but himself to blame. If he's taking credit card transactions, he should be holding a reserve in the relevant account for exactly this sort of situation. His lack of foresight is the root cause of the entire mess. As the saying goes, "Lack of planning on your part does not constitute an emergency on my part."