If I spend $2000 on my credit card and can't pay it off for few months how bad will that effect cred

you always want to get this insurance on your card this will help in the need because if you are subjected to have no money coming in and this insurance will help you pay your payment if you lose your job or become injured i was saying for future referance in case you need it you might want to call them and talk to them about your situation let them know what you need to do its always better if you keep them informed they'll work with you