How to Travel Now and Pay Later

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Backpacker
Backpacker

Do you have a travel bug? Are you freezing cold this winter? Do you want to travel the world? Don't have money? No problem, it's time to pack your bags and go!

Get a credit card with Zero percent interest. Almost all the credit card companies are offering zero percent for 12 months. I highly recommend getting a Capital One card as you are charged no International transaction fee. All other credit cards will charge a 3% international transaction fee.

I recommend flying through American Airlines. They have a fly now, pay later program. (6 months later) They also offer the lowest fare guarantee. Check them out at AA.com

Borrowing money does not have to be a burden. You can enjoy your travels and confidently know that you will be able to pay it back later or even while your traveling. If you are able, have a job set up for your return home. This way you will have no worries. Also don't spend more then you can make. Say you have a zero percent interest card for 12 months. Say you travel for 6 months. When you return home how long would it take you to pay it back? On your average job how much do you make in 5 months? Let that be your deciding factor on how much you can spend with your credit card and budget your travels based on that number.

Tips & Warnings

  • Set up a paypal account so that your friends and family back home could donate to you.
  • Transfer money from your credit card to your paypal account and then to your bank account. (If you do this you can avoid any interest fee your credit card might have, as some credit cards that have zero percent will charge you interest if you withdraw money.
  • Always check your credit cards terms and condtions
  • Be careful of going over on your credit limit
  • be careful of hidden fee's such as international transaction fee or high interest rates on cash advances.

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