I double checked my numbers.... It is not 4k, but around 2500. By accident I included my street bike cost.
I usually book 7 track days, 4 at Shannonville, 1 Mosport, and 2 at Calabogie. Shannonville is a good value as I don't need a motel. Calabogie is awesome and worth every penny, but the $100 a night motel, track cost and gas really add up.
As for credit, I use it all the time , but NEVER keep a balance. If I can't pay it in full, I can't afford it.