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In these days of austerity in addition to relative anxiety about getting debt, a lot of people balk about the idea of having a credit card in order to make purchase of merchandise or maybe pay for any gift giving occasion, preferring, instead to rely on this tried and trusted means of making payment - hard cash. However, if you have the cash on hand to make the purchase fully, then, paradoxically, that's the best time for them to use the credit card for several motives.