I had quite the dilemma a few months back.
My central heating and air conditioning system had completely died beyond the state of repair.
I had no choice but to purchase a brand new central heat and a/c unit. The only issue was that I did not have the cash to be able to afford it. With the weather being extremely hot right now and the need for air conditioning was high I had to think of something to be able to pull it off. The heating and cooling company that had the best deals on HVAC units did not have any monthly payment plans. So I figured out the back up way I could pull this off. This was to throw it all on a credit card that had enough credit on it to cover it! I more or less maxed out the credit card and I will most likely be paying it off for the rest of my life, but what choice did I have? I needed a central heating and air conditioning system unit! Especially with the temperatures the way they have been. Without having air conditioning in my home me and my family may not even survive. That is how hot it is. So I took the hit and put the brand new and up to date central heating and air conditioning system on the credit card and now we are all good. The only thing that isn’t going to be so good is I am now short 1 credit card in the event I had some other kind of emergency. But I will work it out somehow, someway.