It is interesting to think about why so many people prefer using their credit card when going shopping. Research showed that consumers have a harder time parting away with cash, and that they are more likely to complete a purchase if they intend to pay with a credit card. According to studies, credit cards don’t produce the same kind of psychological barrier, and using them feels easier. Not to mention that if you are not using a credit card and you don’t have the money right now, you will not be able to shop.