>Whenever possible, I use my credit card, because, as you pointed out, why pay now, when I don't have to. I also get air miles for mine and we flew roundtrip to Miami last year for free with those. I hope they will survive the gas crunch.<s>

I get cash back for my credit cards, which is even better than miles. Can't remember the details anymore, but I think my AmEx is 1.5% of purchases, and Visa is a sliding scale.

Tamar