> or if you bank account has enough money to cover it, or if the purchase will affect your credit utilization significantly You’re still doing this with cash s

> or if you bank account has enough money to cover it, or if the purchase will affect your credit utilization significantly You’re still doing this with cash since you need to be certain to have sufficient funds in bills and coins before making each payment. And there is more safety in a high credit limit or checking balance than carrying large quantities of cash.