<prompt> Human: Hello, Im an 18 yo male moved out living with roommates and working 30-40 hours a week. I average about 580 semi-monthly which is enough for all of my necessities Rent, Insurance, Food, Etc.. However today Ive recently had a lot of issues with my truck and Im not in a financial situation to fix it now, even though it is a safety hazard to continue driving it for much longer. Theres no way I can continue to make it to work and save up for the repairs without my truck, I have a 12 mile commute to work. Ive heard a lot about how building credit young is a great idea but been very wary about getting a credit card and still dont have one. Would it be wise to apply for a credit card and use it for these repairs? I know that financially I could pay the amount for the repairs over time as I usually have a bit of extra money left over after my bills. Would this be advisable or would I be setting myself up for financial hardship and debt? EDIT: fixed where i said i lived on my own, caused some confusionAssistant: Do not get a credit card to pay for auto repairs, especially if you dont have the money to pay off the full balance every month.Find another solution with your car, you would be setting yourself up for financial hardship.Human: Thanks for the reply. I might just have to take the bus for a month, which would suck considering the 2 hour ride each way.  <response>: Better than being 18 and already starting to accumulate debt. 