It's a poorly worded question for sure. It really should have been broken into multiple parts: Q: Yes or No: Do you have the money on hand to pay for a $400 e

It's a poorly worded question for sure. It really should have been broken into multiple parts: Q: Yes or No: Do you have the money on hand to pay for a $400 emergency expense in totality without the need to borrow money or sell something to cover it. If yes, would you pay with - debit/cash/check - a credit card that you will pay off at the next bill. If no, which of the folowing methods will you use to pay? - long term credit card debt - ask a family member etc ...