<prompt> Human: TLDR: Will 12k transaction on one credit card 20k limit ding credit score if total credit limit is 50k over 3 credit cards?Hi PF! Im going to be getting married in Hawaii soon and will need to pay off the venue 12k. I have the money in hand and could pay off by check if I wanted to.I have a Chase Sapphire Reserve card with a 20k limit. The 12k will be over the rule of thumb of not spending more than 30 of your credit line. Is the dont spend 30 of your credit rule applicable to each individual card, or over my entire line of credit? Besides the CSR, I also have a Chase Freedom Unlimited and a regular Chase Freedom. Between the 3 cards, my total credit limit would be 50k. Side note; only debt I have is a mortgage in good standing. I was planning on paying it off immediately after it shows up on my online credit statement. Since CSR gives back 3 on travel Ive verified that the transaction will count as a travel transaction by paying the venue deposit with the same CSR, is it worth putting this on my card to get a free 360 12k x 3?The reason Im thinking about this is were looking at buying real estate later this year. If this dings my credit score 800 and decreases my chances of getting a good interest rate on a mortgage loan, I dont think 360 in travel rewards is worth it.Thanks in advance for any thoughts!Edit: Thanks for all the replies! Let us all repeat after uyowen2000, utilization has no memory.  <response>: If you pay it immediately the increase wont he reflected when they report to credit 