<prompt> Human: Hi all, So I just opened a second credit card currently have a discover Student with a 1500 limit, and now a Chrysler Mastercard with a 1000 limit. I was given 0 APR for 6 months on the Chrysler Mastercard and was wondering if I keep my utilization low and put 300 and nothing else for 5 months on the Chrysler mastercard and only pay the minimum 35 payment every month will my credit score drop since technically im not paying the card off in full every month or does it not count for cards with 0 APR? Thank you in advance  <response>: it counts as part of your overall utilization but if you need to do this for cash flow purposes its fine. your credit score may dip slightly in the short term while you carry the balance but once its paid off it will bounce right back. 