These days of austerity as well as relative anxiousness about having debt, some people balk against the idea of employing a credit card in order to make purchase of merchandise or perhaps pay for any gift giving occasion, preferring, instead to rely on the actual tried and trusted technique of making repayment - raw cash. However, in case you have the cash available to make the purchase completely, then, paradoxically, that is the best time for them to use the credit cards for several reasons.