- Centurion Member
- Posts: 472
- Joined: Sat Apr 13, 2013 7:49 pm
- Location: Colorado, USA
+1 to what SClay said. Also keep in mind that your score is really only important if you're applying for new/more credit. In your circumstance as you describe, it would not appear that you plan to apply for more credit prior to paying off the balance by May 2014. Yes, you'll take a bit of a hit now, but each month you reduce the balance, you'll see a benefit, albeit small. Once paid off, you'll likely see a rebound, will have a bit of a track record in the credit world, and a paid off MacBook!
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016