I&#x27;m a perfect use case for this service, so I guess I&#x27;ll tell you my story. My credit score is pretty low. Low enough that I apply for high interest cards with my bank and get rejected.<p>I have a high income and an equally high number of expenses. Each month I have about 300-600$ in &quot;discretionary&quot; income. I also have a partner with a very low income and a son. My partner is trying to get on her feet right now and there is a high degree in variability with her income and needs. She has recurring medical bills and there are constant one time medical expenditures when you have a child. Not to mention birthdays, once in a lifetime kind of events where your child gets to participate, there are family and friends that are worse off financially and need help from time to time.<p>I don&#x27;t like, respect, or particularly want to use my banking services. I don&#x27;t trust them but having a checking account is a requirement. Every time I have 500$ it makes me sick to my stomach to imagine handing it over to them, given the fees and backhanded tactics they use. I don&#x27;t trust them. I imagine I might get a secured credit card sometime, but handing over the 500$ and waiting two weeks to a month for my own money back, again, just makes me kind of sick.<p>This service would help me in an emergency, and help me build credit (if not to the same extent as a secured credit card)