“ In these days of austerity as well as relative stress about having debt, lots of people balk about the idea of utilizing a credit card in order to make purchase of merchandise or even pay for any gift giving occasion, preferring, instead just to rely on the actual tried and trusted procedure for making repayment - hard cash. However, if you possess the cash there to make the purchase fully, then, paradoxically, that's the best time to use the credit cards for several good reasons. ”