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Everyone dreads missing payments or bouncing checks. When you are facing financial hardships, emergencies are hard to handle. Bounce checks, missed payments, etc. have their own set of scary problems. When you fail to make a credit card payment the interest rate can climb considerably. Failing to make utility payments is an awful thing as well cheap easy payday loan . You risk losing your water, gas, and electricity which can leave you cold and in the dark. You might also think of a hospitalization of a family member if an accident should occur. Without cash on hand, those things will create problems for you or those you care about. In the instance of your car breaking down, you will need immediate cash as well to get the repairs that your card will require.