And where will the money come to pay after a float period of 45 days or 90 days or so? The writer is just tempting ordinary people in an innovative manner to go for the purchases which one normally can not afford to buy. Never use a credit card. This is a social evil. Living on borrowed money will sure invite troubles. In case you are in need of a genuine credit, look for the other options. Please do not rush to credit cards. Mighty and powerful card issuing companies are working against ordinary citizens just to make money. In fact, the government of India should bring out harsh legislation against the mindless use of credit cards.