<prompt> Human: Currently Im sitting on a 6 month cash emergency fund, but over the next few years I may reduce that amount to pay taxes on employee stock grants. By cutting my employer a check upon granting of shares I can avoid them selling off shares to pay that tax bill.This is an up and coming private company with good growth potential. I felt uneasy about spending my emergency fund on tax bills until I remembered credit cards. I have 26k in available credit at 12 APR. Ive never carried a balance before but this could serve quite nicely as a safety net.It seems risky but the missed opportunity costs are far higher than the off chance I need to carry a balance and end up paying a few hundred a month. Are there any other downsides to using credit cards as temporary emergency funds besides interest?  <response>: I have a six month emergency fund but I may cut that back to pay for planned expenses.Those planned expenses arent emergencies. Save up for and pay them. 