<prompt> Human: To elaborate, I have received my first credit card with 1,000 limit. My payment date is the 1st of every month tomorrow. Since today is the last day of the month, should I go and buy a few things so that I can make a payment tomorrow, instead of next month, therefore benefiting my credit score a little bit?  <response>: This is what we call worrying too much. Just follow the rules of credit and stop trying to minmax it. 