<prompt> Human: Hello rpersonalfinance,I have recently run into car trouble that may be something larger than I expected, and I am unsure what action I should pursue.I make 12.50 an hour and work 160 hours a month, and my bills minus food expense and tax give me around 300 to work with.Just the other day, my car, a 2004 Nissan Altima for reference, began acting very strange. Long story short, the car had to be towed back to my place, because it refused to run, or when it ran it was extremely rough. To get to the point, I have a credit card with a 9000 limit on it, and this vehicle needs a few things done to it because of the recent situation. I estimated the total of the repairs to be around 800-1000. My question is, would it be wise to use the credit card, which has a low interest rate, to pay for the repairs, and therefore enable me to continue going to work? I have no money saved, and refuse to touch my retirement accounts. My budget would allow me to pay 150-300 a month off of the card given I take this route.Thank you for any advice you can give me.  <response>: This is a perfect example of why you need an emergency savings account.If the interest is really that low, it may not be a bad idea. It lets you continue to work and earn income. Take this as a lesson to put that 300mo towards an emergency savings as soon as the card is paid off. Also dont use the card while youre paying it down. 