<prompt> Human: I am by no means bad with my finances. I am 24 years old and found out that my credit score recently jumped to 800. I am very proud of that figure and plan to keep it that way. The story is my roommate needs some assistance with bills for about two months. We are best friends so trust is not a problem. I decided the best way was to put his bills on one of my credit cards. He will be paying me back in full plus any interest that accumulated on my credit card. Now the question is if that money is left on my card for 2-3 months while paying the minimum payment, would that in fact decrease my credit? Im mainly just trying to find out the best way to handle this without any decrease in credit. If it WOULD in fact decrease my credit, is it more of a recommendation to pay maybe a third of it monthly of whats on the card?Thanks for reading.  <response>: No and even if it would, its not going to stop you from getting the best rates. Theres no difference between 760 and 800 except for bragging rights. 