Oof. Almost got stuck last trip. Three days left and I was down to my 7000J (I easily could have made it stretch but what fun is that?) I tried to go to the ATM; my card wouldn't work at the two near the roundabout. I had called my bank prior to my trip to let them know where I would be so they wouldn't freeze it, so that wasn't it. I called customer service and the woman tells me that she doesn't see any holds and that I should *just* try another ATM. I'm thinking to myself "lady, I just tried 50% of the ATMs in town."
She continues, go ahead, I'll wait on the phone with you, just go to the one next to it. I said to her "uh, it doesn't really work that way where I'm at." She then promised me that it *should* work the next time I tried.
I walked to Times Sq the next day and it worked out.
Moral of the story - it's no fun counting your J and rationing what rum you have left, so plan ahead.