You can start spending immediately after opening the card, but first check whether your overdraft limit is more than 5,000. If you only have a credit limit of 5,000, don't swipe the card, because the interest on the excess will be higher.
As long as your credit limit is enough to finish the purchase, you can call customer service and ask for installment payment. Regarding issues related to installment payment, I suggest you call credit card customer service for detailed consultation
You can swipe the card on the spot. Benben went home.