<prompt> Human: I have a limit of 500 on my credit card and was wondering if I buy something for 400 on it and pay it back within the next 3 days, will this lower my fico score? I know there is a certain rule about not putting over 30 on your credit card because it can affect your score but if I pay it back within the next couple days then would it still affect it?  <response>: No, it will not affect your score because you have paid off your balance before the next billing cycle. 