To put this holiday on a credit card?

[Thehalls191]

DS is 16, will probably not want to come on holiday with us next year (he has plans to be working in the school holidays). My lovely mum has stage 4 cancer, she's been given around 18 months so I'm anticipating next year to be a very difficult one and I won't feel confident to be in another country.

We have money saved but its tied up in ISAs and I don't want to use our emergency money that we can access.

Would it be unreasonable to put a £4k holiday on a CC? DH and I won't be going abroad for a good few years after this (we have dogs and love holidays in the UK with them so we're not fussed on going abroad if DS isn't with us). We can pay it over gradually and it would be on 0%.

If you can afford the repayments during the 0% interest period, I can't see why not! We always put holidays on CC to get cashback and protection.

Will your mum get insurance to travel? I’d check that before booking. But yes, I would

very sorry you’re going though it

No, my mum won't be coming with us. She'll be mid chemo and her mobility is too poor to travel.

As pp Sid it gives you protection against fraud. If you have the savings to cover the cost should circumstances change as you pay it off, then use the CC.

In my view, it’s only acceptable if you take the number of months the 0% offer is on and divide the amount by that number of months. Then pay that amount each month as a bill. YABU if you carry the holiday costs over beyond the 0% period.

It's fine. Set up a dd to pay it off over the course of x months free.

In the kindest possible way - 18months isn’t a guarantee, what if your mum is in a really bad way at that point? Or dies while you’re away or 2 weeks before? Would your insurance cover that?

Just be aware that your travel insurance will not cover you for cancellation or early return if your mum has a deterioration in her condition because it's a known risk unless you declare it when purchasing the insurance, they still may refuse to cover. I personally would book very close to departure date in your circumstances and accept that they will not pay out in case of your mum

I'd stay and DH would take DS without me. We'd just lose the money on my booking.