Why settle for less? Get her the diamond ring she deserves. Find a fine private jewelry store that offers 0% deferred interest financing for at least 12 months. Just make certain that you make your payments on time or else you will be charged maximum interest on the entire purchase from the day you bought the jewelry. Just a word of caution when using interest free financing. Also, if you intend to transfer the balance at the end as you may not make the pay off by the end date- make sure you begin the balance transfer a month in advance as with many banks it takes 2-4 weeks to complete the actual transfer!! Yikes! If you were to be unlucky enough to be caught in the middle of the transfer you would still have to pay a balance transfer fee, all of the accrued interest and the interest (if any) on the new card it is being transferred over to. Just looking out for my jewelry seeking friends out there.