There's a myth that using a credit card and letting the balance run is the most expensive form of credit. So much so that some people will consider anything to avoid using their credit card.
Bottom line, it's all about the APR. There are ads on the radio at the moment for "I think" Citi-Financial, offering loans at 23%. That's almost twice the rate on my CC.
I was looking at some Alloy wheels in a shop window recently that had a cash price of about €1200 but the amount repayable if you bought using their finance package was over €2500.
If you can repay quickly then the lack of hassle with the credit card should be taken into account. The ability to pay as much as you like, to pay less, to pay when you like.
Just making the same repayments as the Allow Wheel Finance package you'd still save a fortune buy paying using credit card.
Used wisely the credit card is a good product and shouldn't be avoided or feared based on idealogical nonsense.
-Rd