<prompt> Human: Hi, I had to make a large purchase for work and buy a 1200 camera. I plan on returning it to get a refund at the end of this month. But my credit card bill is due in 10 days and I think that will take me out of the good credit utilization zone if I leave the charge in full. But if I pay it off and get a refund where does that money go? Will my account have a positive balance? Thanks in advance!  <response>: But my credit card bill is due in 10 days and I think that will take me out of the good credit utilization zone if I leave the charge in full.Why? Are you planning on applying for a loan within the next month? Historical utilization doesnt matter, only utilization at the time that you apply for credit. 