In these days of austerity and relative stress about incurring debt, many people balk contrary to the idea of employing a credit card to make purchase of merchandise as well as pay for a vacation, preferring, instead just to rely on this tried plus trusted way of making repayment - cash. However, if you possess the cash available to make the purchase entirely, then, paradoxically, that is the best time for them to use the credit cards for several reasons.