You are going for the pho in Hanoi, the night markets in Hoi An, and the iced coffee on every corner. Vietnam is incredible, but you want to avoid the peak humidity and heavy rains that roll in between May and October. Aim for the drier months from November to April so you can actually enjoy walking the streets.
A typical trip runs about $2800 for flights, food, and places to stay. Since paying that all at once hurts, we need a plan to spread it out without paying extra.
That 0% intro window is a hard deadline, not free money. If you still have a balance left when those 15 months are up, interest kicks in on what you owe.