public function billing(PaymentRepositoryInterface $payments)
 {
     // Show current balance, monthly usage, payment methods, voucher redemption, and transactions
     $creditCards = $payments->all(Auth::User()->id);
     $curYear = date('Y');
     $validYears = range($curYear, $curYear + 10);
     $transactions = Auth::User()->transactions;
     return view('settings.billing')->with(compact('creditCards', 'validYears', 'transactions'));
 }