<prompt> Human: Hey all, searched in the history and couldnt find anything about this. Im starting grad school in May and just applied and received the Discover It credit card with a 4500 limit per month. One of the perks of this card is the cash back match after the first year. Ive applied for federal loans and will receive the necessary amount for school for the year. So my question is, in order to make the most of the cash back match offer, should I max the credit card out and pay it off immediately or will this destroy my credit? For example, the summer tuition cost will be 7500 and fall 13000. Once I get my loan money, can I pay 4500 with the CC, pay it off immediately, then pay another 3000 and pay it off immediately without it destroying my credit? Im under the impression that as long as your credit percentage isnt being pulled that day it shouldnt make a difference but just wanted to confirm. Thanks in advance!  <response>: I dont think there are many loan servicers that will take credit card payments. 