I don't have enough money for a cruise. Is it a clever idea to purchase it with a special cruise credit card and pay it off later?

Answered on June 26, 2017
Updated on June 26, 2017
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
You can really do better than that. With a NCL card you'll have to pay interest almost from the start – there's no 0% into APR - and the interest can go up to 23.74%. If you cannot wait to go on vacation, but you are currently short of money, try a 0% intro APR credit card. That way you won't at least pay the same amount in interest, and the 0% intro period can stretch a lot, enough to pay off the balance in time.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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If your dentist accepts credit cards as a method of payment, there should not be any obstacles. Since you are considering paying for your treatment with a credit card, we would recommend you consider getting a credit card with 0% intro APR and rewards program. Thus, you will be able to save on interest and to earn rewards on card purchases.
The CareCredit cards do not provide any insurance. They are medical credit cards that give access to a line of credit that can only be used at a limited number of providers. If your doctor accepts CareCredit, you may want to take a closer look at this card. However, note that medical cards come with a high go-to interest rates, and promo financing is rather tricky. The promo financing does not give you zero interest, it gives you a differed interest, meaning that if you are late with a single payment or unable to pay off the balance by the end of the promotional period, you will be charged...

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