That fresh paint correction makes your car look better than the day you bought it, but keeping it that way takes work. Running a vehicle is already a steady stream of gas, insurance, and maintenance, so adding a four-figure detailing bill on top of it stings. If you want the price to be softest, look toward late fall or winter when shops are slower and more willing to deal.
We need to talk about how you actually handle the bill without handing over a grand in cash today. A payment card window is for spreading out the hit, but you still need to negotiate the service itself down first before you ever talk about how you are paying for it.
Remember that the 0% intro APR for 15 months on purchases and balance transfers is a hard deadline, not free money. If you still have a balance left when those 15 months run out, you will get hit with interest on the original amount from day one.