Credit cards are very high interest rate. When you have more than one, pay maximum to the highest APR and minimum to the rest. While you have credit card debt, there is no such thing as savings other than an employer matching for a 401K getting much more than put in. Pay off the credit card In the future, use it for the things you would buy in cash and pay the statement balance in full each month. In a true emergency, you can use the card to pay it, but that is REAL critical needs for money. You spent what you did not have, and you should get to a positive savings of three months living expenses minimum, excluding any long term. But you can't get there until credit cards are paid off.