Anyone charging the wedding I have friends who charged their $60K wedding on a 0% interest for 12 months Visa card (Bank of America).
FI does not even have credit cards and pays cash for everything. I use my AMEX for points but pay it off each month. In fact, the bill is on my desk now - payment due 9/16/05
I really found it odd that they would charge wedding expenses when their debts include $60,000 in school loans, $10,000 on credit cards, $60,000 in car loans and a $225,000 house with a $210,000 mortgage.
PeterNChris
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Re: Charging wedding expenses
Some people just live off credit and just pay the minimum. I have a colleague that does this and says that she will do this for the rest of her life. She realizes when she is dead and buried she will still owe. She has no problem with this.
BRIDEMICHELE
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Re: Charging wedding expenses
Posted by PeterNChris
Some people just live off credit and just pay the minimum. I have a colleague that does this and says that she will do this for the rest of her life. She realizes when she is dead and buried she will still owe. She has no problem with this.
That is not a smart thing to do! Eventually it'll come back to haunt her- before she dies. Her credit score must stink!
BRIDEMICHELE
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Re: Charging wedding expenses
We paid cash for the hall and our deposit for the videographer. We were able to charge the deposit for the DJ and photographer. Also, we charged the STD. So far that's all we've done but we've paid it all off in the next billing cycle. So far it hasn't been so bad but talk to me again a year from now!
OctBride05
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Re: Charging wedding expenses
the only thing we are putting on a credit card are the invitations because we are ordering them online, but i will pay that as soon as the bill comes in. everything else we are paying in cash.
Fireworks Bride
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Re: Charging wedding expenses
We aren't charging anything. I was in massive credit card debt and it took me 5 years to finally pay it off, so I know that it ***** to have a bill hanging over your head.
We actually were able to get deal with some vendors for a lower price or no tax by paying in cash.
And interest rates are going up now so goodbye zero % interest rates in the future.
alioop4282
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Re: Charging wedding expenses
If you can afford to pay it..like the have the money on the side...then I say you SHOULD charge it..only because if you get screwed somehow, the credit card company is usually on your side and you can get your money back.
JimmysBride
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Re: Charging wedding expenses
We charged some deposits for safety then paid them off immediately when the bill came at the end of the month.
ayadali
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Re: Charging wedding expenses
We are paying cash/check for everything except our wedding bands and our honeymoon. I don't want to go into debt over my wedding!
cocoa
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Re: Charging wedding expenses
Posted by dleeny
of all the things wedding related that we had to pay for, we were only able to charge our HM. no one else would take anything other than a check
ditto. we actually wanted to. we had the money saved but wanted to get some airline miles for the honeymoon. but only the photographer and the travel agent took credit cards. oh well. but we were only going to do b/c we had the money. never if we didn't. don't go into debt for your wedding.
kaklesmay
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Re: Charging wedding expenses
I told my CC company (Discover) that I was getting married so they gave me a promo rate of 0% until the wedding so I use their card. But I won't, its a card I use for business expenses. But thanks discover!!!
Soon2BMrsA
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Re: Charging wedding expenses
If you can charge it on your credit card and know you'll pay it off in full, I think thats the way to go. You'll earn a good amount of mileage at the same time! This is what my parents did for my wedding (except for the final pmt) With vendors that wouldnt charge tax, we paid in cash though.
Beth1210
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Re: Charging wedding expenses
I charged the HM- I got double points and I needed them-
with something like a trip- I like to have recourse in case anything happens
stephanief
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Re: Charging wedding expenses
I charged most of my deposits and will pay it off with my wedding money.
IrishBride-05
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Re: Charging wedding expenses
I put anything I could on my CC. It got me rewards and peace of mind that I had some recourse with vendors.
LFitzy79
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Re: Charging wedding expenses
For my sister's wedding, my parents charged the payments to Gurney's, and for ever other thing that it made sense to pay with credit (invitations, cake toppers, favors, dress)-they paid the balance off as soon as the bill came in, they just wanted the extra protection to get thier money back in case any of anything. Much easier to get it back from Amex and have them fight it out with the vendors, then trying to get back cash.
tourist
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Re: Charging wedding expenses
We charged what we could just for convienence but we always pay our whole bill off every month.
I think if we werne't paying it off, it would be way too easy to go over budget!
SuzBride
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Re: Charging wedding expenses
I'm charging all the small items, items bought on the internet and HM - but I only charge if I have the money to pay the bill the following month (I don't even have the extended payment option - don't want to tempt myself!)
LuvMyFH
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Re: Charging wedding expenses
Some people do charge.
I refuse to charge, we know we won't make back what we spend and we just wouldn't be having the wedding we are having if we can't afford it.
I don't believe you should break your back to have a wedding if you can't afford it then have something low key or wait.
Yes, I have to save and suffer now but that's because I want what I want, and if I do all the suffering I can have it!!!
We want to start our marriage off on a good foot not with huge bills!
M&S Sept12006
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Re: Charging wedding expenses
The only thing we used credit cards for was for downpayments (security purposes) and our HM...everything else we're cashing it.
ETA: spelling
curliegirl
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Re: Charging wedding expenses
Posted by nferrandi
The only time it makes sense is if you're going to do it for points or mileage and then pay it right off.
That's what we are doing. I tried to charge everything possible to get a free flight for our 2nd honeymoon next year! I charged our whole reception!
ETA
We sent a check to the CC company the same day we charged!
