A lot of people say credit cards are poor for you because they can put you in extreme debt that can ruin your life. I have to say that I do agree with that as I am kind of in that predicament at the moment. But at the time that I ran them up into the predicament I am in now credit cards were a great thing as well as saved me seriously. My central heating as well as A/C had broke down as well as it was the end of it all the way. A heat as well as A/C service was not going to fix it. I needed to buy a brand new as well as totally current central heating as well as A/C unit. But I did not have the cash to do so. I did however have enough credit on our credit cards though to be able to charge the cost of a brand new as well as current central heating as well as A/C. And that is exactly what I ended up doing. If I had not had the credit cards I would have been in extreme as well as potentially deadly trouble. Because it was easily tepid outside when our heat as well as A/C component died on me. And separate from A/C there was no way I would have been able to even live. So this was a great thing that I was able to charge it on credit. But because of that various thoUSAnd dollar charge I am now up to our tail in debt that is affecting a lot of other things I need to do.