Homeless, but approved for housing. Need help choosing financing or Credit Card to get a room for 1-night for temporary shelter.

I would suggest seeing if there are any openings on booking.com or airbnb.com. If you have some luck, you can find a really low rate room to sleep in (not the entire house or apartment). Then you can try to use a Pay-in-4 service like Klarna, Affirm or Paypal to book the room and pay the first installment tonight. Ideally, you'd want to find something around $40 and pay $10 tonight. If you don't have $10, turn on the overdraft protection at your bank so that they approve the installment. Mind you, this will overdraw your account, and you will have to pay off the remaining balance. This should not impact your credit unless you don't pay your remaining balance.

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Airbnb

I would suggest seeing if there are any openings on booking.com or airbnb.com. If you have some luck, you can find a really low rate room to sleep in (not the entire house or apartment). Then you can try to use a Pay-in-4 service like Klarna, Affirm or Paypal to book the room and pay the first installment tonight. Ideally, you'd want to find something around $40 and pay $10 tonight. If you don't have $10, turn on the overdraft protection at your bank so that they approve the installment. Mind you, this will overdraw your account, and you will have to pay off the remaining balance. This should not impact your credit unless you don't pay your remaining balance.

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