<prompt> Human: Hi rpersonalfinanceI was wondering if this would affect my credit in a good or bad way, and if I should do this or not:I currently have automatic payments set up from my main checking account for about 400 in various bills every month. I have a 500 credit card that has 1 cash back on everything.Should I change all my automatic payments to charge the 500 credit card, and then have my checking account automatically pay the full statement every month? I can very comfortably afford these bills every month so I know I wont be missing any payments.I am hesitant on this because it will pretty much show that I am using 400 out of the 500 total available credit every single month.Any help would be appreciated! Thanks!  <response>: See if you can get your limit raised and get the best of both worlds. Additionally, typically any on time payment will be counted in your favor, and utilization only counts for the month that the statement reports.Just make sure there are not any service or convenience fees for using a card on a utility.For more information, see our FAQ article on Credit. 