When To Use a Credit Card for Auto Repairs

Credit Cards and Auto Repairs

Your car likely is one of your most significant assets. Paying for auto repair and maintenance can get expensive, especially during lean times. However, many owners are nervous about the possibility of using credit cards and other debt to pay for maintenance. However, it may be a smart financial decision in some cases. The experts at Austin’s Pro Max have some advice on making this choice.

Its Better To Invest in Maintenance

First, it is important to understand that auto maintenance is much cheaper than repairs. Getting your oil changed regularly, rotating your tires, and replacing parts when needed will help you keep your vehicle on the road for longer.

When you skip or delay maintenance, you may be setting yourself up for a much larger bill down the road. It may seem like you can wait another few months before you get that oil change. However, old oil can wear down the engine and cause damage.

Furthermore, well-maintained vehicles achieve better fuel efficiency, performance, and durability. Staying up to date on your car maintenance schedule will help you to minimize your automotive costs. It is often better to spend a little now than to have to pay out a lot later.

Handling the Cost of Auto Repair

Necessary auto repair is often relatively affordable. Oil changes usually cost $50 or less. Getting your brake pads changed is typically less than $200.

The average annual cost of car maintenance is about $500. Conversely, a single auto repair can cost $500 or more. Some expensive repairs are several thousand dollars. In the worst cases, you may need to buy a new car due to internal damage.

In summation, it is better to spend $500 a year than to risk needing to pay for two or three repairs per year. You will save money in the long run.

Possibility of Deferred Interest

Of course, sometimes, we all have lean financial times. Whether you use a credit card or an automotive maintenance loan, you are likely better off accepting some interest than skipping maintenance. In some cases, you may even be able to defer your interest until you can more easily afford it.

Get Auto Repair and Service in Puyallup

If you need auto services in the Puyallup area, come to Austin’s Pro Max. Visit our convenient Canyon Road East location, or call us to schedule an appointment.