 TITLE: Cash vs. Credit Card: Which Should I Use? CONTENT: When You Should Use a Credit Card Over Cash\n-------------------------------------------\nInstances when it makes sense to use a credit card instead of cash include the following situations.\n*   When making purchases online, by phone or through a catalog, especially when the product is unfamiliar to you, a credit card can help you avoid buyer's remorse. If the merchandise isn't all you hoped it would be, or if it arrives damaged, your credit card company can assist you to ensure you get a replacement or a refund.\n*   If you get cash back, airline miles or other rewards benefits from your card, you can benefit by using your card for everyday purchases (groceries, fuel and so on), as long as you aren't carrying a balance on that card and can pay off those charges in full and on time each month. If you carry a balance on the card, interest charges can quickly offset the value of any rewards you might accumulate.\n*   If you're working to improve or rebuild your credit, using your credit card(s) regularly for small purchases and paying your full balance on time every month can help. Each timely payment adds a positive entry to your payment history, which is the most influential factor that determines your credit scores. END