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The one bad thing about her jacking up an instant $5,000 in credit card debt is that it's gonna make her credit score drop down into the low 600s, so she'd better hope that she won't need any credit until May.
I can see the point about just making the minimal payments on a credit card with zero interest, but the thing is that she's not gonna know her limit on the card until after she applies for the card, so it might take her another 1-3 cards to get that extra $3,000 credit that she wants then she's gonna have 2-4 monthly payments of $15-$25 might actually be as much or even more than a bank loan payment.
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