You should save up an emergency fund and try to never use a credit card unless it is tied to your checking account. Credit cards will drive you into debt but sometimes you have no choice. Should you find yourself in that situation you should look for low interest credit card. I found a site called creditcardsclub.com that does a real nice job of comparing the different type of credit cards. This site will allow you to research credit card offers from many companies. Discover, Visa, MasterCard and American Express are all there with different types of plans. Once more I want to caution you that credit is to be used very cautiously and not as a means to live beyond your income. A site like this one gives you all the facts and is a benefit to consumers who need to keep informed before they commit.