TO help YOU feel better, can you just say they ran out of credit? @ArraDreaming 

Sometimes, thinking about things another way is not to give them an excuse but to help us feel better. That's what I find myself doing a lot.

It's when someone does something really irritating. I forgive them so I feel better - not because they feel better. 

So in this, remember, you need to come out on top. Better yourself. Just say they don't have credit.