- Platinum Member
- Posts: 57
- Joined: Mon Apr 12, 2010 4:04 am
- Location: Kansas
Keep in mind your score only matters when you are applying for credit. If you're not planning on getting another card for a year, it's no big deal if you make a large purchase this month, even if it shows up on your report and the util affects your score a little. As soon as you pay in full next month your score will go right back up to where it was before. Banks care what your score is when you apply, not what it was a year ago. In other words, don't let a temporary change to your score affect your decision to buy something you need.