Given concerns about credit card debt and the risks involved, some credit card companies are making sudden cancellations to their customers' accounts.

According to a recent report in the Wall Street Journal, some cardholders have found themselves denied at registers when trying to buy things with their credit cards. Even cardholders who make their payments on time have been affected by sudden cancellations.

Though card companies are required to alert cardholders about cancelled accounts, they don't have to do so before the accounts are deactivated. Alerting cardholders is required within 30 days of the card company's action if it cancelled the account due to something other than delinquency, default or a lack of use.

Given recent numbers from Moody's Credit Card Index, credit card charge offs hit 10.76 percent during June, and delinquencies were at 5.81 percent.

Mary Horowitz is one example given by the paper of a person who found that her card had been canceled through it being denied. Horowitz found out her account was closed while trying to pay for a spa treatment for her birthday.

"The spa was great, but it was a pitiful day," Horowitz told the paper.

Given the report from the Wall Street Journal, some consumers may find they no longer have a line of credit to rely on, yet still have purchases they wish to make. One option may be to get a payday cash loan, which can give consumers the money they need for immediate purchases.

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