These days of austerity as well as relative anxiousness about running into debt, lots of people balk resistant to the idea of having a credit card to make purchase of merchandise or pay for any gift giving occasion, preferring, instead to rely on this tried along with trusted method of making transaction - raw cash. However, if you've got the cash on hand to make the purchase 100 %, then, paradoxically, that is the best time to use the card for several reasons.