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  #11  
Old 06-03-2009, 06:05 PM
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How long you going for?

I hope she is thinking about bringing more than the borrowed 3k, that won't get you far at all in the USA.
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  #12  
Old 07-03-2009, 11:39 PM
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we are going for about 3 weeks - Las Vegas, New York & LA

her credit card is only for emergencies really, it has a 1k limit, she doesnt use it much, she is a student who works part time. So thats why she wanted a loan.

she may go with a 5k loan, and just pay off a little bit of it.
otherwise she will hunt around for some other credit unions.

im juts advising her to save save save, we got another 5 months before we head over there, but she said she would wait and see what kind of financial situation shes in when it gets near to july when we leave.

Last edited by Adr3naL1N; 07-03-2009 at 11:42 PM.
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  #13  
Old 08-03-2009, 03:29 AM
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As above: Credit card with 55 day interest free period, or up her limit on the current one.

Don't go messing around with loans. Hardly worth the interest payments and trouble. Don't forget that with the idea of a $5k loan and paying off $2k straight away could incur early exit fees or penalties of some sort. Just more bank-issued fine print to consider.
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  #14  
Old 08-03-2009, 08:21 AM
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As Joe said, hopefully she has more money. Even $5k in the states is nothing.

Especially when you hit places like Vegas. The joint is expensive.

$5k will last you a little over a week if you are conservative with it.
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  #15  
Old 08-03-2009, 08:46 AM
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If you take it easy on the drugs and hookers and your accomodation is paid you can make it last longer.

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  #16  
Old 08-03-2009, 11:14 AM
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Quote:
Originally Posted by skitzyrex1
Get a personal loan to cover the CC and spending money then chop it up.
^^^^ Best plan, that way you are forced to make the payment on you personal loan each month, where as credit card you would be paying interest only if paying the minimum.

Get a personal loan to cover her existing c/card balance (or part of it) and the $3k spending. ie- get a $5k personal loan and pay off the balance of the c/card and keep $4k (ish) for the trip.

AND if shes eligible... take the $900 from Krudd as spending also!!!
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  #17  
Old 08-03-2009, 02:27 PM
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Quote:
Originally Posted by MY REXTC
^^^^ Best plan, that way you are forced to make the payment on you personal loan each month, where as credit card you would be paying interest only if paying the minimum.

Get a personal loan to cover her existing c/card balance (or part of it) and the $3k spending. ie- get a $5k personal loan and pay off the balance of the c/card and keep $4k (ish) for the trip.

AND if shes eligible... take the $900 from Krudd as spending also!!!
yeah she eligable for that. so shell get that, she ha money saved for the trip, she just thinks she might want abit more spedning money thats all.

vegas is the cheapest outta the lot!! new york is the expensive one!!
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  #18  
Old 09-03-2009, 07:27 AM
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Get limit raised on credit card. other wise top up her morgage if she has one.

Personal loans = Bad idea, paying it off for years,
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  #19  
Old 09-03-2009, 08:49 AM
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Yeah, but at least its scheduled Tim. Credit card payments come down to discipline, YOU decide how much YOU want to pay and when YOU want to pay it. And in many cases, its only the interest you're paying off. So better to have a scheduled payment every month for 36 months in my opinion.
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  #20  
Old 09-03-2009, 11:50 AM
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Surely she can save the money in 4 months! Pick up extra shifts/another job.
Or save half, then once you get there put it all on red!
Ask for loan from family/friends = no interest + long return plans
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