<prompt> Human: Im pretty young 29 but have terrific credit. Details are: FICO score of 817 100 on time payments Oldest credit line 25 years thanks mom! 19 of available credit used More thank 50k credit available 1,003 of monthly payments student loans, carLast month my wife and I had a few surprises come up and so our bill is a little high this month. I have never in my life carried a balance, so its really a new process to me. We can comfortably pay off all but 1200 of our balance. APR is 18.24 so monthly interest would be 1.5, so Im not worried about the actual cost of the interest. We will have plenty of money next month to pay off the old balance plus our new charges.Since Ive never carried a balance I dont know how it affects my credit score. Since its a low of my available credit, will it impact it at all? Slightly lower it? Or cause a significant ding because Ive never done it before? We have money in savings we could use to pay the bill in full, but Id prefer not to dip into it if I can avoid it.TIA!  <response>: It wont impact your score at all, as long as you make at least the minimum payment. It may temporarily go a little lower due to slightly higher utilization, but youll recover from that the following month. 