I'll also throw my approval of Richard's and Taga's comments. If you have been employed, where is the savings history from the 34K a year you make? Most financial books or advise will tell you to save 3 months of salary into a slush fund for "emergency use" which you are definitely experiencing.

Credit, just like a drivers license, is a privilege not something we deserve. If you can be responsible and be safe like everyone else out there, you can keep your privilege and not loose it. If you loose it, you need to do your best in earning it back as quickly as possible. If you need to lean upon it from time to time or depend on it, then it shouldn't have been taken for granted.

My only advice is that if it is truely a Family Emergency, and your family is in need of you for the emergency, that same family will have to help you out financially to get you there. Lay down the pride, and let them know that it's only a financial thing that stops you from your attendance.

Family is very important but unless you possess some special abilities to effect a positive outcome on your family emergency…

I have to agree with Taga, it will probably be a path to deeper financial problems if you are looking for credit to travel. The total cost of a 33% loan will be around 5-7 times what you borrowed.

Dear Davemonsterband,

This reply will probably irk some members of this forum, but, this is my suggestion. Having a poor credit history and no money to spend for your travel due to a family emergency, I suggest you to not travel and just send any money you have available to your family if there is a need to help out.

This is one of the typical situations that bring a lot of us in financial disasters. We want to be able to do something even though we don't have the capacity to it and voila, we suffer the consequences. You need to ask yourself first if you can afford to spend the $2000 that you don't have.

Do you also have a budget where you can assure yourself that repayment of a loan can made? If this is a yes, then, try contacting WellsFargo (I'm warning you, they can charge as much as 33% interest) If no, then, don't do it. You can not afford to travel.

I apologize for being too blunt about this, but, I only mean good for you. I don't want you to go deeper into the sea of debt.

Now is the time to learn how to budget and be financially responsible. We should know how much income is coming in and how much of it is going out towards expenses.

Good luck to you. TagaKawit

Let me give some background. I am 28, I have a previous history of poor credit but it was so long ago my score raised enough for me to get a credit card from CIBC, a standard credit card, 500 dollar limit. I am unable to raise my limit for another 4 months, after showing signs of reliability. I was however approved for the credit card without any hassle, I learned the 500 dollar rule via telephone banking being it's been so long since I've had one (2000).

A family emergency just occurred and I require 2000 dollars for travel, etc. As in, I need a loan, a line of credit, something to remedy my problem quickly. I am employed, I only make 34k, but I am employed. I do not have money to front, consignors, none of that jazz, I simply have no money right now and must rely on myself and I need to rely on my credit history or lack thereof as well as my current employment to be lifelines for approval.

Do you have any suggestions out there.