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Will they allow you to put down a small deposit, with the balance paid the day you pick it up? Unless she checks the bank every day, you might be able to time this OK.

Sounds like a good plan, Andrew. Can't help you with suggesting a specific credit card, but I can tell you that if you can control your spending, a credit card can be very worth it! We pay ours off in full every month, and spend somewhere between 3000-4000 pm on it. This is about 50,000...