These days of austerity plus relative stress and anxiety about running into debt, many people balk resistant to the idea of employing a credit card to make acquisition of merchandise or even pay for any gift giving occasion, preferring, instead just to rely on the actual tried in addition to trusted approach to making settlement - cash. However, if you've got the cash on hand to make the purchase fully, then, paradoxically, this is the best time to use the credit cards for several reasons.