Quoted from Nycon:Is using credit that crazy overseas? If I used my credit card here in Germany to get 4000$ the monthly rate on the whole sum would be less than 50$ per month or 560$ after the first year (14% interest p.a.).
Yes. In North America, you might see 14% as a special "introductory" rate on a credit card, but after 30-60 days, it will jump to about 30%. Banks in North America aren't quite as reputable as in Europe.