Are you sure you can't spread it out over two CC bills? Usually, credit card bills are due at the end/beginning of the month. If you have a 25 day grace period, that means stuff purchased in the second half of this month won't be on the October bill. The cutoff date for my Discover card is usually the 12th or 13th, so I better make my first purchase soon, if I want to spread it over two bills....