Kyoto in autumn or late November gives you quiet temple gardens, red maples, and stone paths without the suffocating crowds of cherry blossom season. You get room to actually breathe in the moss gardens of Daitoku-ji and watch the leaves drop into the ponds in peace.
A typical trip runs about $3800, which is a lot to hand over all at once. If you want to break that up over time, you can map out a payment plan to match your cash flow.
The 0% intro APR period is a hard deadline, not free money. If you still carry a balance when those 15 months run out, interest kicks in on whatever is left.