<prompt> Human: Ive had a MC for about ten years and never paid a penny of interest. All my balances are paid in full within days of receiving the statement. Ive been able to get by with the motto that if I dont have the money in the bank, I dont put it on credit. The credit limit on this card is 9000 and only twice in ten years have I had balance near 20 utilization on my statement.However, in the last 7 months my purchasing habits have changed, and Im concerned that perhaps it may be affecting my credit score. For business purposes sole-proprietor here I make about 2-3 monthly transactions that range from 4000-8500. Each of these transactions are paid in full within 3 days of the transaction, and whatever balance from other smaller purchases that show up on my statement are still paid in full each month.Im unsure if the utilization rate is determined once a month when the balance is issued on my statement, or if it applies continually through the month, and if this is the case am I hurting my credit score which I dont even know btw?Im in Canada if it matters.  <response>: Youre not doing any lasting damage, no.If you need to apply for a loan, try to minimize big transactions the month or two prior to applying. 