<prompt> Human: I just hit my goal of having 1500 in my emergency fund. The only debt I have is 800 credit card that is maxed. Should I just use my emergency fund to pay it off and forget about it? If it makes any difference I only make 32,000 a year. My original goal was 1. Have 1500 in an emergency fund. 2. Save up to 6 months of expenses.3. Pay credit card completely. Note that I would still pay the minimum payment every month of the credit card while working towards goals 1 and 2. Just curious as to what you all think would be best.  <response>: Credit card debt is an emergency. Yes, use credit cards ideally a good rewards card for everything on the short term, but if you cant pay them off at the end of the month, you need to redo your budget ASAP.In the worst case a bigger emergency, like your car dying, you can always put it back on your card; but you can never get back the money you wasted paying interest to Visa. 