In these days of austerity in addition to relative stress about taking on debt, most people balk against the idea of making use of a credit card to make acquisition of merchandise or maybe pay for a holiday, preferring, instead just to rely on the actual tried plus trusted means of making settlement - raw cash. However, if you've got the cash available to make the purchase completely, then, paradoxically, that is the best time for you to use the credit cards for several good reasons.