I think it is a good strategy to use credit card only for big purchases. When we use credit card for routine small purchases chances are that we often end up spending more than our budget. By using credit card for costly items we can also earn handsome reward points which can be redeemed for costly items. Also if you are not in a position to pay it at once you can opt for an EMI option. In that way you can pay it in small installments on a month to month basis. Some credit cards also offer good discounts for big purchases so we can save some money here also. Do you use your credit card for routine purchases?