if i go to a different country for couple months

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S

skim milk

Diamond Member
Apr 8, 2003
5,784
1
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i have about 500 bucks in credit card debt, but if i fly out of this country for couple months, do i still have to keep paying it off every month? or will the credit card defer the payments and let me reinitiate the payments when i get back?
 
J

jjones

Lifer
Oct 9, 2001
15,424
2
0
Of course you have to keep paying; that's why they're called "monthly payments" and not "just pay us when you're in town payments".
 
X

xXped0thugXx

Golden Member
Feb 18, 2004
1,885
1
0
yea if it was "pay us whenever your in town" everyone would get CC's and just skip town after they racked up a huge bill
 
RossMAN

RossMAN

Grand Nagus
Feb 24, 2000
79,035
442
136
Read your credit card's agreement and disclosure.

YES you are expected to continue making payments on time or your credit will go further down the drain.

Just ask them to setup automatic payments to debit your checking account once a month for the minimum payment due.
 
sygyzy

sygyzy

Lifer
Oct 21, 2000
14,001
4
76
Of course you don't have to pay it. It's called the Vacation Deferment Plan. Anytime you go to another country that is on the approved list (Really all are, except Iraq, some S. African countries, and North Korea) you don't have to pay anymore.
 
R

Ronstang

Lifer
Jul 8, 2000
12,493
18
81
Originally posted by: sygyzy
Of course you don't have to pay it. It's called the Vacation Deferment Plan. Anytime you go to another country that is on the approved list (Really all are, except Iraq, some S. African countries, and North Korea) you don't have to pay anymore.
Click to expand...
Yep...he is right, everyone else is simply pulling your leg so don't listen to them. I did this very thing when I went to Europe for 6 months so don't worry and enjoy our vacation.
 
A

Ameesh

Lifer
Apr 3, 2001
23,686
1
0
Originally posted by: Ronstang
Originally posted by: sygyzy
Of course you don't have to pay it. It's called the Vacation Deferment Plan. Anytime you go to another country that is on the approved list (Really all are, except Iraq, some S. African countries, and North Korea) you don't have to pay anymore.
Click to expand...
Yep...he is right, everyone else is simply pulling your leg so don't listen to them. I did this very thing when I went to Europe for 6 months so don't worry and enjoy our vacation.
Click to expand...

Yeah i used the VDP also, it worked out great for me cause i didn't have money to pay them while I was out of the country and so i just deffered it till i came back. it worked out well!
 
ohtwell

ohtwell

Lifer
Jan 6, 2002
14,516
9
81
I would think you'd still be responsible for it. Just because you are in another country, doesn't mean you don't owe them money.


: ) Amanda
 
yllus

yllus

Elite Member & Lifer
Aug 20, 2000
20,577
432
126
That's one of the nice things about Canada - our VDP (called the RCVDP, RC standing for Royal Canadian) is a lot less restrictive than the one you guys have down in the States. You can't go to Cuba and defer payments but I can.
 
Pepsei

Pepsei

Lifer
Dec 14, 2001
12,895
1
0
Originally posted by: Ameesh
Originally posted by: Ronstang
Originally posted by: sygyzy
Of course you don't have to pay it. It's called the Vacation Deferment Plan. Anytime you go to another country that is on the approved list (Really all are, except Iraq, some S. African countries, and North Korea) you don't have to pay anymore.
Click to expand...
Yep...he is right, everyone else is simply pulling your leg so don't listen to them. I did this very thing when I went to Europe for 6 months so don't worry and enjoy our vacation.
Click to expand...

Yeah i used the VDP also, it worked out great for me cause i didn't have money to pay them while I was out of the country and so i just deffered it till i came back. it worked out well!
Click to expand...

VDP is great, especially if you have Amex Blue. You don't have to pay them until you get back, AND you can use the same credit card while you're in that country. Don't confuse that with SDP, or School Deferment Plan, where you don't have to pay when you're in school. You have to sign up for that plan.
 
A

Ameesh

Lifer
Apr 3, 2001
23,686
1
0
Originally posted by: Pepsei
Originally posted by: Ameesh
Originally posted by: Ronstang
Originally posted by: sygyzy
Of course you don't have to pay it. It's called the Vacation Deferment Plan. Anytime you go to another country that is on the approved list (Really all are, except Iraq, some S. African countries, and North Korea) you don't have to pay anymore.
Click to expand...
Yep...he is right, everyone else is simply pulling your leg so don't listen to them. I did this very thing when I went to Europe for 6 months so don't worry and enjoy our vacation.
Click to expand...

Yeah i used the VDP also, it worked out great for me cause i didn't have money to pay them while I was out of the country and so i just deffered it till i came back. it worked out well!
Click to expand...

VDP is great, especially if you have Amex Blue. You don't have to pay them until you get back, AND you can use the same credit card while you're in that country. Don't confuse that with SDP, or School Deferment Plan, where you don't have to pay when you're in school. You have to sign up for that plan.
Click to expand...

My MBNA's VDP only lasts for 6 months though, but thae last time i used it, it was only for 2 months.
 
E

Eli

Super Moderator | Elite Member
Oct 9, 1999
50,419
8
81
Originally posted by: Skoorb
I nominate this as the official stupidest question ever asked on Anandtech.
Click to expand...
Didn't read the thread, did ya? ;) lol
 
T

tnitsuj

Diamond Member
May 22, 2003
5,446
0
76
You will be fine. The federally mandated VDP will prevent this from being a problem. The minimum VDP period by law is six months, check with your bank to see if they have a longer one.
 
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