A vacation need not be expensive. Maybe it isn't the orgasmic experience of Disney, but we enjoy camping in our RV, which we paid $8750 for, more than ten years ago. Camping out along the Blue Ridge Parkway and hiking is a lot of fun - and doesn't cost much. Certainly not enough to require a loan.
I dunno. Borrowing money to go on vacation just seems so wrong. And it is a shame so many Credit Unions promote this sort of thing. But I guess they have to make money, too. And the easiest way to make money is from other people's lack of financial acumen.