<prompt> Human: I just got the Amazon Prime Rewards card because I wanted to buy a Nintendo Switch. It came with 800 credit limit. Using this card to buy a Switch and some games will send me up to over 45 credit utilization. If I have the money to pay off the balance right away, would this spike in utilization impact my credit score?  <response>: Most cards only report utilization based on the date the statement cuts.Pay before this day and youre safe, except for U.S. Bank which reports the balance on the last day of each month. 