Did that last year, didnt want to wait for my refund to pay off my card so I got a very low interest loan from my bank (it was low becuase I choose the 3 year pay off.) If I payed it off before the first year I would haveto pay a charge, so I used the money to invest (becuase my refund at that point could pay it off at any time) and payed it off after the end of 1rst year. Hiked my credit score too to around 750!!
