<prompt> Human: As the title states, I am considering putting a large charge 6k on my credit card, then paying off the card about 2 weeks later, before the end of the billing cycle. Will this show up on my credit report via high credit utilization? Any way this could negatively affect my credit score? Putting this charge on the card would make an instant 85 utilization. A friend told me of a similar situation where his homeowners insurance flagged him with risky behavior and raised his rates. His situation was slightly different, as he put a 40k charge on his card, then got on his computer and paid it off immediately. I would be doing this with my university tuition while waiting for employer reimbursement. I could just barely pay it directly out of my checking but it would really clean me out to almost nothing while waiting 2 weeks for the reimbursement. By doing this, I figure I could avoid a 3-digit checking account balance and get some credit card rewards at the same time. Thoughts?Assistant: There is nothing wrong with your plan. Hopefully you have a card that gives you good rewards for purchases. And even if you dont pay it off before the statement ends, and your utilization goes to 85 for one month, as soon as the next statement is generated and reported to the credit agencies, the effects of high utilization will disappear. Human: You mean theres no credit score impact of utilization history, just whatever the most recently reported utilization is?  <response>: If you are getting a mortgage and an underwriter sees you had a huge jump in your balance and then paid it down they may ask what happened and where you got the money from. But no impact to your actual score. 