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Many carried In the US are counting on Credit form Pay for the wedding. Experts say this approach can be reasonable if done carefully.
While 46% of the young – couples who have tied up the knot over the past two years In the hall to the report from the LENDINGTRE. The website was polled by 1050 young in early March.
A separate In the Zola report based on a 6,000 pairs survey in 2025, 31% of the buses plan to use credit cards to pay for weddings, including the use of points or filing for new cards.
“If you are strategic, the credit card can become an amazing tool,” said Matt Schultz, the main credit analyst Lendingtree.
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Otherwise a Credit card Experts can be a slippery slope, leading couples to go on the aisle with prolonged and expensive debt.
About 67% of the young people surveyed assumed the wedding debt, Lendingtree reports.
For new cards, the average annual interest rate or borrowing price is 24.35%, the highest since December.
“Ultimately, a beautiful wedding should never come through financial stress with new marriage,” said Gloria Garcia Sisneros, a certified financial planner in Lourdmurray, investment and wealth management firm.
“Make these savings even more difficult for you”
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Weddings become expensive Every year. The average cost of the wedding is expected to be $ 36,000 in 2025, In the hall to the gold. This is compared to $ 33,000 in 2024 and $ 29,000 in 2023.
If you have savings to cover the wedding costs, chargeing the credit card costs, and then immediately using these savings for repayment of the account can help you earn awards such as points or miles, Schultz said.
Some credit cards offer big registration bonuses if you spend a specified amount on the map for a short period of opening. This may be more than you spend on the usual costs, but within reach if you have great expenses, purchases and wedding deposits.
Immediately by paying this fee for your savings, you can take advantage of things like your honeymoon, Schultz said.
“This is a way to make these savings even more complicated for you,” he said.
Using a credit card may also have other benefits. Credit cards offer layers of federal protection that can help cardholders challenge the charges and Get a refund Experts say everything will go with the goods or service purchased with the card.
Some cards also offer Protection to acquire. Make sure that read the small font of what your credit card offers and how long it lasts.
Do not accept debt for a “short -term event”
However, the credit card key “is to pay in full,” said Ted Rossman, senior branch analyst Bankrate.
“I certainly do not recommend posting the costs for the wedding on the card if you are going to drag it over time,” he said.
Without paying balance, it will leave you a high interest debt when you start your new marriage.
According to Lendingtree, almost a quarter or 24%of the young who married two years of polls are still paying debt. Of those who still owe money, 47% said they would pay the debt six months before the year.
“You do not want to donate your long-term well-being for a short event,” Rossman said.
Credit card 0% April It can be a tool for wedding payments, as you will pay virtually without interest in unpaid residues for a certain time. However, experts say finish the card payment before the expiration of the action. Otherwise, no matter what balance will remain interested.
Factor for Credit Cards, Cash Discounts
As you start Plan the wedding And contact the providers, ask if they accept credit cards as a payment form, said Jason Ray, a wedding planner in the Los -Andez.
Some providers can only take cash or check payments and others can charge additional Processing of the board For credit cards, Ri said. Similar Additional fees can range from 1.5% to 3.5%, according to Bankrate.
Assess whether the payment is available to you or it is worth using a different payment form with the provider, said Lauren Kay, the Knot Executive Editor.
Moreover, some providers may offer discounts on cash.
Weddings insurance trims credit protection
While credit cards may offer some protection for payments and purchases, they may not offer wider protection and policies to cover high costs such as receiving or venue, Kay said.
“In most cases, your credit card would not offer any real benefit if something went wrong by buying that value,” Kay said.
For such costs, the wedding insurance policy can be a good option. They help protect you from unexpected risks such as extreme weather, theft or provider who has not appeared, Kay said.
Wedding insurance prices can vary from less than 100 to more than $ 1,000, according to Nerdwallet, depending on the size of your policy and types of coverage.
“It is important to think about what you hope to protect,” Kay said.
