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Is anyone else putting a lot of wedding expenses on credit cards?

Original post by sarahradio5

Thread views: 2,345

Yes... yes... I know... not the smartest thing in the world to do....

BUT....

are you?

This, unfortunately, looks like how we're going to have to pay for a lot of our wedding. Because we bought our house this past November, a lot of the money we WERE planning on going towards the wedding is going instead towards the house. PLUS, my FH got a GREAT job that he's been waiting to get for a long time, but the initial pay is a LOT less than he was making at his other job. Our financial future looks great, but right now, we can't squeeze blood out of a turnip, so with a lot of the wedding expenses, credit card it is! I guess since we did the house first, that's why the credit cards come into play. So, whereas wedding gifts would usually go towards paying a down payment on a house, they'll now go towards paying off our credit cards. Anyone else doing it this way?

I feel so guilty relying on the charge cards for the wedding since I usually pay everything off as I spend it, but I don't see another way.. Anyone else doing this? Relieve my guilt!!
scappy123

Re: Is anyone else putting a lot of wedding expenses on credit cards?

I try to use my amex for everything i can since i get points. A lot of places dont take it though. So far i have used it for my wedding gown, invites and favors. I pay if off right away though

Danacm80

Re: Is anyone else putting a lot of wedding expenses on credit cards?

we're in the same boat... we were all ready to pay cash for everything and had a whole savings plan set up... when we decided to now buy a house... we should be closing in a few weeks so those mortgage payments will be starting soon... so yes.. we will definitely have to place stuff on the credit card now... we plan to pay as much as we can w/ cash but we will have to charge it & then use our gifts to pay off the debt after the wedding.... you're not alone!

XFINALLYX

Re: Is anyone else putting a lot of wedding expenses on credit cards?

this actually reminds me, what vendors will let you charge? i mean i think every vendor makes you have a cash deposit, but can you charge the rest? we're probably gonna be charging most of the wedding only because we're paying for it ourselves mostly

mcb916

Re: Is anyone else putting a lot of wedding expenses on credit cards?


Posted by laural2979


Posted by melbalalala

Yup, but just for the miles/hotel points. Paying it off each month...



Same here. I was really hoping that our hall would take CC payments too.



I think this is what we are going to do too. We have the cash, but I like the idea of putting it on a CC for the security, plus you get points Then it will all get paid off right away.
cherilicious16

Re: Is anyone else putting a lot of wedding expenses on credit cards?

i feel like you do what You need to do and are comfortable doing to make that day special. Dont let guilt overshadow an very important day! do what you can with funds readibly available and then adjust your credit....it is bound to happen, in my opinion!

i102bcute

Re: Is anyone else putting a lot of wedding expenses on credit cards?

We have not had to do that yet..thank god!!!!!!!!!
Meaghan729

Re: Is anyone else putting a lot of wedding expenses on credit cards?

we'll probably have to put the honeymoon on a CC then pay if off with some of the gifts. other than that im not using it!

jtgarsik

Re: Is anyone else putting a lot of wedding expenses on credit cards?

If you can get a 0% apr, then that's great....however I have friends that are STILL paying their wedding off & they were married 6 years ago!!! Just be careful, & be smart...and DEFINETLY look into 0% apr, even if it means transfering the balances onto one card. Be & my FH booked everything with cash deposits, and now are just banking all our money & hopefully have enough saved!! I definetly understand ur situation because last minute me father decided not to give us a dime towards wedding expenses, however you dont want debt to be a burden the first year of your marraige! Just be smart about it! Good Luck!

beautyq115

Re: Is anyone else putting a lot of wedding expenses on credit cards?

A very minimal amount...some deposits and other things for security purposes

EJSD2006

Re: Is anyone else putting a lot of wedding expenses on credit cards?

guilty! we put the little things on credit card (like the ring bearer pillow, card box, etc.) and the florist was paid entirely with a credit card. but every thing else was paid with cash.

plainview

Re: Is anyone else putting a lot of wedding expenses on credit cards?

I am trying to put as much as possible on credit for miles!!
But I am able to pay in full each month
curliegirl

Re: Is anyone else putting a lot of wedding expenses on credit cards?


Posted by plainview

I am trying to put as much as possible on credit for miles!!
But I am able to pay in full each month



Same here, I put my entire reception on a credit card, and paid it in full. Free trip to Aruba!!!!!!
roroleelee

Re: Is anyone else putting a lot of wedding expenses on credit cards?

I hope we do not, but with the house hunting looking promising, we may.

TimDogsGal

Re: Is anyone else putting a lot of wedding expenses on credit cards?

we are paying alot on credit card...Our hall was paid in cash ....and some of the vendors are included with that....but i want to make sure we have enough cash for tipping the day of...(gratuity is a killer) I'd rather pay the credit cards off after the wedding than not have enough cash for the day of....I have a CC with 0% apr until July 2007.

October Bliss

Re: Is anyone else putting a lot of wedding expenses on credit cards?

There are a few things I put on my CC - but it is stuff I would have put on my CC whether or not we were getting married - like whenever I go to Michael's or AC Moore for DIY supplies. As for 'genuine' wedding expenses - I think I charged the BP gifts and then paid the bill in full when it arrived - but that is it.

Once we leave for the HM I plan on using the CC almost exclusively because we will be overseas.
pupidda122505

Re: Is anyone else putting a lot of wedding expenses on credit cards?


Posted by TimDogsGal

we are paying alot on credit card...Our hall was paid in cash ....and some of the vendors are included with that....but i want to make sure we have enough cash for tipping the day of...(gratuity is a killer) I'd rather pay the credit cards off after the wedding than not have enough cash for the day of....I have a CC with 0% apr until July 2007.



Can you please tell me what credit card u have that offers the 0% APR til next year? FH and me are looking into signing up for one of those to put some wedding related expenses on it without getting ripped off with the interest. Thanks
Love4Eva

Re: Is anyone else putting a lot of wedding expenses on credit cards?

were paying everything in cash, and then using cc for miles for our honeymoon on non-related wedding stuff!

NovemberBride06

Re: Is anyone else putting a lot of wedding expenses on credit cards?


Posted by pupidda122505


Posted by TimDogsGal

we are paying alot on credit card...Our hall was paid in cash ....and some of the vendors are included with that....but i want to make sure we have enough cash for tipping the day of...(gratuity is a killer) I'd rather pay the credit cards off after the wedding than not have enough cash for the day of....I have a CC with 0% apr until July 2007.



Can you please tell me what credit card u have that offers the 0% APR til next year? FH and me are looking into signing up for one of those to put some wedding related expenses on it without getting ripped off with the interest. Thanks



I just applied for a Chase credit card. It is 0% APR on purchases and balance transfers until Oct 2007. Hopefully we won't need it, but good to have just in case.
tropicalbride07

Re: Is anyone else putting a lot of wedding expenses on credit cards?


Posted by plainview

I am trying to put as much as possible on credit for miles!!
But I am able to pay in full each month



me too....Cashback Baby! Honeymoon, dress, everything!
kittythestray

Re: Is anyone else putting a lot of wedding expenses on credit cards?


Posted by pupidda122505


Posted by TimDogsGal

we are paying alot on credit card...Our hall was paid in cash ....and some of the vendors are included with that....but i want to make sure we have enough cash for tipping the day of...(gratuity is a killer) I'd rather pay the credit cards off after the wedding than not have enough cash for the day of....I have a CC with 0% apr until July 2007.



Can you please tell me what credit card u have that offers the 0% APR til next year? FH and me are looking into signing up for one of those to put some wedding related expenses on it without getting ripped off with the interest. Thanks



We each got one from Chase.

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