<prompt> Human: So I got my new Chase Freedom card 2 weeks ago. Now I get that 1 back and have a 1200 credit limit. However I know Ive read on here you should only use 13 the limit. Now here is my question and dilemma. My friends want me to get a 24 hr gym membership from Costco for 650. I have no problem paying that. However if I use my credit card instead of my debit card how bad is that? I would be going already half way to my credit limit. Grant it I can full pay off my credit card which I have been doing for my other card.Assistant: Stop worrying about your credit score. Instead, spend your time thinking about whether or not you should actually be paying 650 for a gym membership that you probably wont use after the first month. Human: Thanks, Im going to get the membership regardless. Just wanted to see why its bad to go over the 13 limit  <response>: It doesnt matter month to month. Your utilization has no memory. See our FAQ article on FICO scoring. 