Yes, car and home repairs are part of life. They always seem to sneak up and the bills can be expensive. Putting this amount on your credit card can be a real setback if you are trying to pay them off. Here is an idea that can help.
Many of you use the envelope system for everyday budgeting. You might have envelopes for food, gas, gifts, or other everyday expenses. But how about having an "envelope" called the Car Account. Or Medical Account. Or House Account. It doesn't have to be a physical envelope, but maybe a special savings account that you designate for a special purpose. You can set aside money each month to cover unexpeced bills so you don't have to use credit or eat beans all month.
For example, if your car is paid off, continue paying your regular car payment amount to a savings account. Then, when an expense occurrs, you will have available money to cover it. Also, you can use it to save up for another car when the time comes. Don't let an unexpected expense break your bank.