<prompt> Human: I just received an email from my local credit union who I bank with and the email said that they have added a temporary skip this months payment button on the website. The email continued to say how they added this for people to be able to skip a months payment and put that money towards the up coming holidays and what not.Is this a common thing? Whats the catch? Edit: Im not considering using this myself, just wondering about it because Ive never heard of something like this before with any of the banks I bank with.  <response>: The catch is you will use the credit service more and buy things for Christmas on it that will take time to pay off. Interest builds. Im still paying off Christmas 2014 