Re: financial advice needed
The problem with credit cards is they tend to charge interest on the full balnce of the original outstanding transaction till it is paid to zero.
The interest rate is still per annum, but charged monthly.
Get a personal loan, way cheaper then a credit card for a start, take the $4000 if they will let you have it, juts get a loan with variable rate, and no penalty for early termination, then straight away pay back $2500 that will drop the amount of interest payable straight away, then pay back the rest per the monthly or weekly schedule, if it is a variable rate loan, then the extra payments should mean you are in fornt, so if for a month or 2 you couldnt make a payment, you would have $2,500 worth of payments up your sleeve.
Well talk it all over with the bank, and ask lots of questions as to the above.
I did put something here, but it vanshied, I think
"So long and thanks for all the fish!"