Someone who isn't me has their credit maxed around 2k.. their bank is an unpopular one and disliked by many.. this person got fired recently and just recieved their last 2 checks.. instead of direct deposit as they normally were, which would only being paying back overdraft fees that accumulated, they're able to just cash them, they suppose... starting a new job and was thinking about paying this months rent, 700 with debit card. the person came to me for advice and after like an hour searching couldn't find many pros and cons as to why or why not.. I mean, obviously going to hut their credit i think..? but is that all? can't bank with that specific bank again?