<prompt> Human: Hello! So I recently received some doctors bills that are infuriatingly high well, higher than Id like to pay due to insurance not paying for some of it bullshit facility fees, the hospital refuses to negotiate down the prices, and I dont qualify for financial assistance through the hospitals program. I have the money to pay these bills, just kind of upset that theyre refusing to do anything to make the prices more reasonable charged 970 in facility fees for a short hearing test, a eardrum test, and a doctors visit, like wtf.My question is simple. Would it be reasonable for me to put the bills on my BankAmericard Cash Rewards credit card 1 cash back on everything 50 bonus when I move the cashback into my savings account and pay the bill off immediately? My credit score is good CreditKarma shows it at 777 right now. I always pay my credit cards off each month and never carry a balance. My credit limit for my BoA card is 9500 and the bills are roughly 2600. The only downside I can see is that it would temporarily boost my utilization, which wouldnt be ideal, but are there any other negatives that Im not seeing? I figure if I have to pay these bullshit bills, I might as well get something out of it, but perhaps its not really worth the hit to my credit score to get 50 cash back 26-ish from the bills that 50.  <response>: As long as the hospital does not charge an extra fee to use a card, then yes, go ahead and use the card to get points. Thats what I do. 