Much depend on whether the savings on using credit card is significant compared to the higher price charged in ebay. Like the K62 cabby from itwares is 6150/- with shipping if you do a EFT. In ebay its 6250/-. Now interest earned for 50/60 days on 6150/- is not enough to cover the 100 bucks gap. So a EFT seems better option. But yes, ebay has some other benefits.