These days of austerity in addition to relative panic about running into debt, many people balk against the idea of making use of a credit card in order to make purchase of merchandise or even pay for a vacation, preferring, instead to rely on a tried in addition to trusted approach to making repayment - hard cash. However, if you possess the cash there to make the purchase in full, then, paradoxically, this is the best time just to be able to use the credit cards for several good reasons.