It's said that you may have a credit problem if you find yourself constantly applying for payday loans. That's because most people who take out payday loans are looking for a quick and dirty way to pay for something when they've gotten a little short between pay periods. And it's perfectly fine to apply for a payday loan if this happens. : http://ezinearticles.com/?How-To-Protect-Yourself-From-Bouncing-A-Check-With-Payday-Loans&id=1002500