also i always pay for a holiday on my credit card since they stopped charging for using it.its 0% interest and has been for years.its better for spreading the cost as i always book one at least 6 months in advance.also you ve got more protection if anything happens(tour operator goes bust etc).....
ive never paid a penny in interest on a credit card ever.......
i also always pay off a holiday at least a month before i go....