If I had $3k in the bank and $6k in debt, I'd be very wary of moving any of it around. What happens if your car breaks down and you need $1k in repairs? Your CC

If I had $3k in the bank and $6k in debt, I'd be very wary of moving any of it around. What happens if your car breaks down and you need $1k in repairs? Your CC limit only goes so far. And if you don't have a car, I'm sure you can think of another example..