<prompt> Human: Hello fellow redditors,Im just coming to you for verificationnew ideas on what Im trying to do with my first Credit Card. Ive already looked over the FAQ page for credit and found nothing super specific to me.A little backstory. Im 26, I dont currently make a whole lot 1,200 a month after taxes which I hope will change soon as Ive been looking for a job for the last year. I pay all my bills on time and with the exception of April-May-June and Sept-Oct-Nov- I have some money left over after bills Bills total about 1k per month but I pay every 6 months on my insurance which is the jam-up. Im 2 years from paying off my car loan and 4 years from paying off a personal debt thats really complicated. Debt was for old car, which is in my fathers name on his credit. I pay 160 a month on it, its balance is about 5K. We move it around on 0 apr credit cards after every 18 months or so to keep paying only the balance. Anyway, Im looking to sign up for my first credit card, something that I plan to use as an emergency fund back up and requirement card starting later this year. I recently had to clean out my emergency fund for car mantinance and repairs and havent been able to contribute to it since. Also, about once a year rent a car and get a hotel for a week to visit my uncle in Boston. Id rather have the extra 100 on my debit card than have to have it held by the rental agency. Ive found this is much easier if I have a credit card that I just pay off once the bill comes. So now to what Im actually thinking. Im looking to get something that has a 1-3K limit and no annual fee and no balance limit. Im not really concerning myself with perks because I dont imagine using the card enough to make it worth it.What does personalfinance think?  <response>: Dont use a credit card as an emergency fund. Thats just asking for debt long term, and no one needs that.A first card with your income may not give you the starting limit youre looking for. You may get approved for 300-500 but they may not hand you a grand or more at first.Id personally work on paying off all of your existing debt first. Otherwise youll be too tempted to not pay your cards balance in full if you use it and end up in more debt than you started out with. 