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Piston Broke's idea isn't bad. She may be pee'd off at you, but that could surprise her even more (or just make her think you are a complete doofus who cann't be trusted with money ;) ).

I'll just pop in and say congratulations in advance. :) Cann't help you with specific cc's, but if you are planning on shutting it down straight away after, it probably doesn't really matter. DH got a Myer store car once to buy me an anniversary present once (I would have noticed him...