As long as you can pay it back on time, use the credit card. 1. You've paid for the priviledge. 2. You can get points, (if you have one of those cards.) 3. Builds up positive credit. 4. Your ATM card probably has a transaction fee.
But if you're asking about hire purchase or something like that, wait for one of those interest-free deals. You're using it much earlier without having to pay anything extra, (of course, you could argue that prices would have dropped by the time you had the cash...)
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"Hey little kitty with your tail dragging on the floor
You could have a following in every town that you go"
Electric Six - I Invented The Night
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