We also use the credit card in January. But I take our annual dues, convert to Canadian Dollars, and divide by 12 to arrive at a "monthly" payment. Each month we transfer over that amount to a separate "DVC" bank account and then use that to pay off the credit card bill, usually online before the paper statement gets mailed to us.
This gives us the advantage of a monthly payment plus we get Air Miles on the credit card.
- Mike