<prompt> Human: Hello, Recently found out my company is downsizing, but they were nice enough to keep me on until I can find another job. However, my hours have been cut from full time to 10 hours a week. So practically unemployed, but still have _some_ income.Thanks to your previous advice I had a 6k emergency fund in place. I also have a credit card with a 3k limit, and at the moment I have 2k cash on hand. My only debts are student loans, but Ive already gone ahead and set up forbearance until I find a new job. I dont know how long it will take to find a new job, so Im trying to figure out how to make what I have last as long as necessary.The 10 hoursweek is luckily _just_ enough to cover my rent each month. But for everything else food, gas, utilities I figure that if I start paying them _all_ with my credit card then I can kick that debt down the road until I find a new job. I can keep my 2k cash on hand and use that to pay off the credit card if I get close to maxing it out, and _then_ only start draining my emergency fund once the credit card is fully maxed out and I have no other means to pay it off. I will then pay off the card entirely, live off the remaining emergency fund, and then switch back to my credit card as a last line of hope. I estimate that I could spend 1kmonth, and make my resources last for the next 11 months. Assuming no _additional_ emergency expenses occur.I try to avoid using my credit card as much as possible, so I dont know what all the risks are to trying to temporarily support myself using only a credit card. I dont know how fast the interest adds up or much it could hurt my credit score, even if its only for a few months. Should I play it safer and start draining my emergency fund immediately, and only switch to credit when I have no other choice?Thanks.  <response>: This situation is exactly what your emergency fund is for. If you max out your card, you will only make it harder to get ahead of your debt when you find a job. Plus if it takes longer than expected to find work, youll just have a maxed card racking up tons of interest. The card is your last resort emergency fund, once everything else is gone. You actually might want to see if your bank offers a low-interest line of credit with a lower rate than the card. 