I rather use credit card, of course use it wisely because I can enjoy 20 day free interest from the billing statement date and pay in full prior to due date not the minimum amount. Prior to that plan your purchase so that you have the fund to pay the CC later.

You can put the fund for 20 days in the account where it will generate some return for you.

This post has been edited by kuya: Nov 14 2007, 10:35 AM