JAXFL's comments are wort re-reading. Additionally I'd add a BIG caution against planning on using credit cards for anything other than convenience to pay bills monthly. No one will seriously recommend not paying off full credit card balance every month period. CC interest rates are crazy high, if you float loans on them you'll be paying several times for your purchases.
I'd highly recommend "sucking it up" for a little longer to have a bigger cushion to get you to where you'll get a job again - sorry to be a downer...