As an individual (not a company), I see my credit card as an interest-free loan until the end of the month. I pay my CC bill in full every month but were somet

As an individual (not a company), I see my credit card as an interest-free loan until the end of the month. I pay my CC bill in full every month but were something to come up in an emergency I could allocate money as needed and pay the minimum whereas if I had already paid for everything in cash I might be out of luck. If you feel comfortable and are fairly sure you know what you're spending is going to be like in the next year, it's also possible to take advantage of those "No interest for a full year!!" deals but carrying a high balance (a high percentage of your available credit) can negatively effect your credit score. Be careful out there :)