These days of austerity and relative stress and anxiety about taking on debt, some people balk against the idea of having a credit card in order to make purchase of merchandise or perhaps pay for any gift giving occasion, preferring, instead only to rely on the actual tried plus trusted means of making transaction - cash. However, if you possess the cash available to make the purchase 100 %, then, paradoxically, that is the best time to use the cards for several reasons.