Credit cards are used when you do not have enough cash.
involves taking out a loan. Interest must be paid on the amount borrowed.

Is the product effecting the environment with pollution, and is the company environmentally conscious.

Does the physical store have good customer service, and do they have a reasonable return policy.

How good is the quality of the product which you want to buy, is it worth the money which you are paying?

Does the website have a lock on the top right hand corner and is there a reasonable shipping policy and price?

Is there minimal packaging and can the package be recycled?