<prompt> Human: Hello, I am a California college student with a minimum wage job and a car that has some issues. I think I need to get a credit card to help pay for repairs. My question is, what is the best card available for a student that would only use it in emergencies? Im looking for low interest rates, simple usage rules, I dont want to have to keep track of points and stuff. Ive heard that some student cards lure you in with seemingly low rates then jack them up if you are one day late on the payment. Anyways I appreciate your comments.  <response>: To clear up a major pitfall you seem to be approaching: a credit card is not for emergencies and taking one out in the way you are suggesting is the worst way you can begin your credit history. 