Great that you're analyzing the situation in this manner - very wise. Financial preparedness is extremely important.
If you're responsible only for yourself then for a modest amount you should be able to have two to four weeks of food on hand, some water, candles, flashlight, batteries, radio, basic first-aid items.
If you can reasonably comfortably endure a power outage for a couple weeks then you'll be fine for most non-TEOTWAWKI scenarios.
With just that you'd be way ahead of most people.
Would be good to stash a couple hundred in small bills in your emergency kit.
And then tackle the debt with gusto! It's a great feeling to get off the hamster wheel of debt - especially credit card debt.