<prompt> Human: I commented with this on another thread but Its pretty buried: Ive just started to use auto-pay on my two credit cards because Ive heard that it helps with my credit score. The way I used to manage my CCs was wait until the statement comes out and then pay down as much as I can in chunks after each paycheck throughout the month making sure the entire statement balance gets paid before the statement due date No. Matter. What.. Now with auto-pay, which happens at the statement due date, I instead put those chunks into a savings account CapitalOne360 0.75 APR and thought it was a good idea because Im making interest on the chunks throughout the month. But, that has the effect that my utilization is very high I have one card at maximum at almost all times while I spend on the other.Which method is better? I feel like I might be doing more damage to my credit score with the high utilization than any small effect auto-pay would have. Though, Ive read that the utilization effect on your score gets re-set each time a new statement is reported, so, maybe I can time it to pay down to a good utilization rate before I plan on having my score pulled? I think the ideal situation would be to increase my credit limit so im not maxing the cards all the time but thats may take a while.Is it worth the 0.75 APR I earn? Im trying to dig myself out of a credit score hole so that might be worth more in the long run especially since I plan on buying a house in the next year.Assistant: 1. Stop obsessing over your credit score.2. Youre chasing cents.3. It doesnt matter.Human: Im just trying to be practical. From what I understand credit scores affect the APR you end up paying on a mortgage. Ive seen my credit score fluctuate by 20pts based on utilization differences. Im not sure how how closely they correlate to mortgage APRs but a difference of 0.1 APR ends up being an extra 10k in interest on a 300k loan over 30 years if my math is right... thats not cents.  <response>: Credit scores fluctuate. Worrying about 20 points is obsessing over it unless youre applying for a loan soon and on the border of two rates. 