For those of us living in the right areas, however, Subway Time might take away some uncertainty -- even if it's just to confirm that we'll be late.

ENGADGET: MTA app for iPhone offers New Yorkers real-time subway arrivals, a small dose of relief

There's no word of what fees or interest rates will be assessed for late payments, but we imagine you'll find strong incentive to pay for that flower arrangement.

ENGADGET