<prompt> Human: I dont entirely know a lot about credit scores, so maybe someone can help me.I make 55K a year and am looking into moving into buying a house. I have 30K saved for a down payment and no personal debt and I feel that I am financially ready for it. However, I recently changed jobs and this new job requires me to spend a lot of money every month. This is sometimes pushing 10K a month. I decided it would be best to use a personal credit card and pay it off with reimbursements from work? Sounds cool right, well my credit score has fallen apart apparently. I pay my bill before its due but unfortunately I have a very shallow credit history as I am only 23. I think I am somewhere around a 620 right now which I dont think is going to get an interest rate below 4 on a home.Do I just need to wait? Does anyone have experience with how long it could take my score to recover to something that will look more attractive to lenders?ThanksAssistant: If youre spending nearly 120k a year at a job that pays you only 55k a year...why arent they giving you a corporate card? Thats a crazy amount to ask you to front. I wouldnt be okay with that situation. The good news is that your utilization has no history so even though its high now, if you can get this onto a corporate card your score will bounce up a bit when utilization is at a reasonable level.Getting the pointsCC rewards is nice, but if youre looking to buy a house, its probably hurting you more than it is helping.Human: They did give me a corporate card but Ive been using my own to try to earn points. I suppose your right that the rewards may not be worth the hit on my credit. Thanks!  <response>: Oh I see. If you want to keep playing the points game. Wait until youre ready to apply for a mortgage. Stop spending on your personal card for a while and let you score recover. After the mortgage you can always go back. 