The fall season is fast approaching and soon that will mean holiday shopping. Imagine standing in the line that seems never ending in a department store and hear the cashier say to the person in front of you, “Thanks for shopping with us Mrs. Smith.” It catches your attention because it’s your last name as well, but then you shrug it off because there are millions of people with the same name. But then when you go to hand your credit card to the cashier, and it’s rejected because it’s now maxed.