Reply #9: What do you mean by serious trouble?

[Nikia]

Many of us do not have significant savings. What I do have that distinguishes from some of our poorer friends is credit. We have enough credit card credit to last us half the year or more if we need it. After finally almost paying off our credit cards, we have found that actually using our available credit could easily put us into serious trouble, especially if we were uncertain about our future earnings.