I've had that happen at a bank, too. Fortunately, I did wait just long enough in that instance, much to my hubby's consternation, and receive credit. A guy can only play Angry Birds in the parking lot for so long!
I did get stung one time when I didn't think about how it was only 3:50pm instead of the magical hour of 4:00pm and entered a grocery store. I could have fudged it, hoping they wouldn't have looked at the security footage. That's not how I roll, either, though! I just hope they reported the reach-in meat cooler's 50-degree reading to the company as a courtesy even if they couldn't submit the report.