In these days of austerity as well as relative panic about having debt, many people balk contrary to the idea of making use of a credit card in order to make purchase of merchandise or even pay for a trip, preferring, instead only to rely on the tried as well as trusted way of making settlement - hard cash. However, if you possess cash available to make the purchase entirely, then, paradoxically, that is the best time to use the credit cards for several factors.