When you are broke plus have undoubtedly little money to spare outside of proper expenses, it is entirely hard to maintain great credit. Especially if you have to use you debit card to get out of strenuous situations prefer I had to recently. My central heating plus cooling system had broke down right in the middle of a cold front here in the city I live. To get the central heating plus cooling system fixed by the local heating plus cooling companies certified heating plus cooling specialist was going to cost myself and others a chunk of money I simply did not have to spend. However, this was what they call an HVAC emergency, so I had to figure out a way to get the heating plus cooling system fixed. It was a great thing I had a debit card with a big credit limit on it. I knew if I used this to get the central heating plus cooling system repaired by the certified heating plus cooling specialist that it was going to entirely tank my credit rating, plus I had no system when I would even be able to spend my savings it off. But, because the heating is entirely needed this time of year, plus I have a family that includes many young adolescents, I had no option however to charge the central heating plus cooling repair to my debit card. The heating plus cooling specialist ended up fixing our central heating plus cooling system within an minute, which means it will be a cheaper cost. So I may be able to afford to spend my savings it off after all!