What is the best advice about the use of credit cards?

Question 102 options:

	Except for very small purchases, credit cards should always be used instead of cash.
	The best approach to credit cards is never even to apply for one.
	Credit cards are an important part of a personal financial system, but pay the balance in full during the period when no interest is charged.
	Credit cards are most useful when making large purchases (over $500), because they allow you to spread out the payments to fit into your budget.