<prompt> Human: I recently moved to a new apartment, and tomorrow will be my first 1st of the month, and therefore my first full month rent due. I was just digging around my apartment complexs resident services site, and discovered a pay by credit card option. My old complex also had this, but charged a 5 service fee for the service, making it really dumb to use, so I checked with my management office and they confirmed that there are no fees for this provided I set up a reoccurring monthly auto-pay. My immediate reaction was that why wouldnt I do that! Ill rack up a ton of cashback on my card Discover IT. The less obvious aspect of this though is the percent credit usage spike this will cause and its effect on my credit score. Currently Im hovering at about 6-8 of my credit line per month. Adding my rent onto there will cause it to spike to 14-16. Despite the increase spike, I will continue paying off every months statement in full.What I would like to know is what kind of affect if any will this have on my credit score currently in the 780-800 range. If it will cause a drop, then Ill just pay rent straight out of my bank account and continue using my credit card as I do now.  <response>: What I would like to know is what kind of affect if any will this have on my credit score.Little to none.Enjoy the extra cash back. 