<prompt> Human: I only have 1 credit card, got it right out of college and always pay off my balance at the end of the month. I just bought plane tickets on my card and am much closer to my limit that I usually am Im at about 2500 out of a 6500 limit. I dont think I will reach or surpass my limit by the next payment due date, but is it bad to be close to my credit limit even if I wont have a balance next month? Should I just pay it off ASAP?EDIT: Typo in title, meant to say still pay off  <response>: Utilization has no memory, so if it is high one month and low the next, the high score is no longer a factor. If you are worried, you can always make a payment during the month before a statement is generated. 