Call them and explain the situation

Call them and explain the situation. Maybe the have a payment program where you can sign up and they debit your checking account directly. If they won’t “play ball.” Tell them you are going to switch credit cards. I sometimes get credit card apps in the mail for 0% interest. I would suggest switching your balance to them if you get one as long asas you don’t have a yearly fee on your credit card you currently own.

I have a cousin that will max out a card. Then she freezes it in the freezer and doesn’t use it again until the ENTIRE BALANCE is paid off. She will use another card until it maxes out.