I'm thinking of when my bank card says declined.
Why are you thinking about your bank card balance?
I want to use it when I got for a night out.
It's a good idea to check on your bank balance before using a bank card or a credit card. You need to keep an eye on spending so you're not overdrawn, and your card isn't declined.
I don't have time to watch my spending. I just want to go out and have a good time.
Not watching your spending can lead to getting into massive credit card debt, or having to pay large fees to your bank. It would be a good idea to watch it especially since your card was declined before.