These days of austerity as well as relative anxiousness about getting debt, a lot of people balk about the idea of using a credit card in order to make acquisition of merchandise or perhaps pay for any gift giving occasion, preferring, instead to rely on a tried plus trusted procedure for making transaction - hard cash. However, if you have the cash there to make the purchase completely, then, paradoxically, that is the best time to be able to use the card for several reasons.