 TITLE: How to Finance a Micro-Wedding CONTENT: Pay With a Credit Card\n----------------------\nPaying for a wedding with a credit card is a convenient option—you probably already have several in your pocket, after all. But just as with any type of big purchase, putting your wedding expenses on a credit card has pluses and minuses.\nFirst, the pluses:\n*   You might be able to snag a 0% APR during a credit card's introductory period, typically allowing you 12 to 18 months to pay off the balance without being charged any interest. Check out Experian CreditMatch™ for available 0% intro APR offers.\n*   You potentially can rack up cash and rewards points that offset the cost of your micro-wedding—or that help pay for a honeymoon.\n*   You might enjoy consumer protections when you cover micro-wedding costs with a credit card. For instance, you might be able to enlist the help of the credit card issuer to be reimbursed if the caterer fails to come through on your wedding day.\n*   You might wind up borrowing less money with a credit card. How? Unlike a personal loan that could end up providing more cash than you actually need, a credit card will cover only what you need to spend and nothing more.\nNow, the minuses:\n*   You'll be hit with interest charges if you don't pay off your card balance before a 0% introductory period ends.\n*   If you don't score a 0% intro APR offer, you could be stuck with high interest rates when you carry a balance from month to month.\n*   Paying with a credit card might encourage you to overspend.\n*   Not every vendor or venue accepts payment via credit card.\n*   Your credit scores could go down if your micro-wedding charges bump up your credit utilization ratio. This ratio takes into account how much credit you're using versus how much credit you've got available. END