Most likely you have never come across this situation, you are standing in line to pay for something and your card gets declined for insufficient funds.  Thankfully it has only happened to me a few times, fortunately I was paid within a day or 2 of the insufficient funds.  But for some this is a reality that they have to deal with day in and day out.  Having bad credit can make it very difficult to get access to a checking account.  There are solutions today that will help you get back on the right track.  Have you ever been...