Kids parties come with hard deadlines. You need entertainment booked weeks before sending invitations, but good local performers fill their weekend calendars months in advance.
A solid face painter and balloon twister combo runs about $400. If you lock in your date early and give yourself enough lead time, you can break that cost into small, stress-free monthly payments.
Keep in mind that a 0% intro period is a strict deadline, not free money. If you carry a balance past 18 months, regular interest kicks in on whatever amount is left, so stick to your monthly plan.