I've been known to take a box, fill it with pebbles, add the gift card and wrap excessively.
Explain to them why it's difficult for you, and strive work out a tailored payment plan that will reduce your installments to a bit more manageable level based on a personal should get. https://Groups.Google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY