No, don't worry. I'm not counting on credit cards to fund emergencies. But I was rather nervous about expenses for my long sojourn in France, which extended over two credit card bills. So--since my emergency fund isn't earning anything to speak of--I overpaid my credit cards, both of them.
As it happened, we spent a lot less than anticipated. So when I got my credit card bills, I found a big, fat credit. My emergency fund, however, is a bit on the meager side.
I'm not worried, since we are due for paychecks at the end of the month. If my emergency funds were earning the 5-10% I can remember from not all that along ago, I would think twice about overfunding. But the dangers of NOT paying a credit card bill are known to all: huge fees, interest payments on all your new charges, and so on.
Do you have any tricks like this for when you're on the move and might not be able to pay your bills?
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