It depends on the purchase. The new car we are thinking of purchasing will have to be financed somehow..whether a loan or perhaps just leasing the car. Smaller things like video cameras, etc. I'll make sure I have the money first. Then I'll put it on credit card to defer the actual payment by a month and keep the money in an account making some sort of interest. I also get "Visa Points" or Airmiles depending on the credit card.
I always pay my credit card bill. If we don't quite have enough to pay off a credit card we will draw down on our line of credit paying the bank about prime to re-pay instead of the high interest charges on the credit card.
As Destrox says..paying with a credit card when you already have the money (or will have the money by the time the bill is due) helps build up some great credit.
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