In these days of austerity as well as relative panic about running into debt, a lot of people balk about the idea of having a credit card in order to make acquisition of merchandise or perhaps pay for a trip, preferring, instead just to rely on a tried and trusted means of making settlement - hard cash. However, if you possess the cash there to make the purchase in whole, then, paradoxically, that's the best time to use the cards for several causes.