<prompt> Human: My friends are getting married in Hawaii next year, Im super excited to be there with them when it happens. I can afford to go, Ive saved up enough for airfare lodgings...but Im afraid of what this will look like on my credit history when a historically low utilization ratio skyrockets. My plan iswas to make the reservations and either run down to BoA to see if the Take my money now move works, or wait for my statement to arrive and then pay it all off. tl;dr Does the merely the act of making a large credit card purchase ding your score, or is it carrying it across months that is the no-no?  <response>: Your utilization is reported on a month to month basis. It does not carry over. So if one month you have 90 utilization and the next month you have 0 you will see a lower credit score the first month and a higher score the second month.From what I understandand Im not an expert it does not average utilization to get your score. The key here is paying your balance off to ensure that you dont pay unnecessary interest. 