Fly Now, Pay Later

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Are you itching to take a vacation but feeling temporarily light in the wallet? A few airlines now allow you to purchase tickets on layaway. If you sign up for the American Airlines credit card, you can buy any ticket worth at least $199 and defer payment for 90 days with no interest. Continental and America West let you do away with a credit card entirely if you use a feature called Bill Me Later on their websites. You have to fill out a credit application, but if you qualify, you won't have to pay until the bill arrives. Continental will also take 5% off the cost of a future ticket. Now all you need is a cheap hotel.