Copenhagen in late August is hard to beat. The summer crowds thin out, the harbor water is clean enough to swim in, and the city’s design shops and cafes are hitting their stride just as the weather cools down enough for real walking. It is the best time to see the city like a local, moving from the canals to the modern architecture without sweating through your clothes.
A typical trip runs about $4000 all in. That is a real chunk of change, so we need a plan to handle it without raiding your emergency fund or sweating the bills when you get back.
That 0% window is a hard deadline, not free money. If you still have a balance left when the 15 months are up, interest kicks in on the whole original amount, so make sure those monthly payments happen automatically.