I am normally not one who likes using my credit cards for anything. However, recently my central heating and air conditioning system broke down. And when it broke down it was quite an expensive repair. Because of this I could not afford it and I did not know what I was going to do. But then it turned out that I remembered that the local heating and air conditioning company took credit cards. And by them taking credit cards I was able to pay for it with mine. My credit card when it came to the repair of my central heating and air conditioning system was a major lifesaver. If I did not have the card to pay for the repair of my central heating and air conditioning system unit I would have been in serious trouble and my heating as well as air conditioning would have not gotten fixed! Needless to say, it was my own fault that my central heating and air conditioning system had broken down. It was all because I did not change my air filter for 2 months and it overworked itself. By not changing the air filter of your central heating and air conditioning system unit this is what can happen. So I did learn a lesson from all of this. And that was to change the air filter of my central heating and air conditioning system unit once a month no matter what. I make myself a note to go off on my cell phone so I remember every single month moving forward.