<prompt> Human: I opened a credit line for a store for 8,000 a few months ago and made a 2,600 dollar purchase there last month. I knew my credit would take a hit for the increase in utilization but I had no idea it would take this big of a hit. I have enough money in savings to just pay this off if I need to. Would you recommend just paying it off in full if I have the funds? What would be the difference to my credit between paying it monthly in a year without interest or paying it all off now? Thanks for your help.Edit: Thanks for all the replies! I try not to obsess over my credit score but I just checked after this purchase out of curiosity. Ill just continue to make the monthly payments and pay it off within a year so I dont accrue any interest.  <response>: Pay down your debt and your credit score will bounce back up.If you have no particular immediate need for your score to be 50 points higher, just keep making regular payments to the 0 card. 