Keeping a car looking new takes work, especially once winter salt and road grime start chewing through the clear coat. A proper ceramic coating fixes that by sealing the paint with a hard, glass-like layer that makes washing easy and water bead right off. It is one of those maintenance costs that feels steep upfront, but it keeps the car's finish intact for years.
Spring is the ideal time to get this done because the weather is warm enough for the coating to cure right, but before the brutal summer sun bakes contaminants into the fresh paint. For a typical professional application running about $800, you want to time your shop visits carefully and separate your negotiations from how you plan to pay the bill.
Remember that the 0% for 18 months on purchases and balance transfers from date of account opening window is a hard deadline, not free money. If you still have a balance left on the Citi Simplicity® Credit Card when those 18 months are up, you will get hit with interest charges on the original amount, so treat that monthly payment as a non-negotiable bill.