Kyoto in late autumn is something else. The maples turn deep red around Kinkaku-ji, and the bamboo groves in Arashiyama catch the crisp November light just right. You go for the quiet morning temple visits and the long walks through neighborhoods that feel entirely removed from modern life.
A trip like this usually runs about $3100 for flights, lodging, and daily expenses. Dropping that much cash at once hurts, which is why people look at spreading the cost over time. Here is how to break it down sensibly.
That intro window is a hard deadline, not free money. If you still have a balance left when the 15 months are up, interest kicks in on the remaining amount.