hi..i was looking for a blogsite that will cater to my questions and im glad i've found yours..i have a credit card issued this month..and i am planning to use it by november..however i will have a vacation this december2015..do ineed to settle the whole amount before going home?or i should just inform my bank about it..my visa card mode of pay,ent os paying 5 percent of what you had borrowed..thank you i hoped you can help me