<prompt> Human: Is there any time in which it may make sense to miss a payment, take that hit to your credit, in favor of using that money elsewhere? Not planning or in a bind, but curious what PF thinks. Thanks!  <response>: Well should you be in a bind and you need to buy your heart medicine and the only way to do it is by not paying a bill. Then its probably a good idea to miss that payment and save your life instead. Or if you are faced with: pay this fine or go to jail, you may want a miss a bill payment to avoid jail.Other than cases similar to that? I highly doubt it. 