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system
0% apr first 12 months on new credit card. can i exceed that 30% rule of thumb and not hurt my credit score?
user
your utilization ratio history is irrelevant to its impact on your credit score.  if you run up 80% of your utilization in january, then pay it back to 10% in march, your score in march will reflect the new reduced ratio with no memory of the 80% utilization last month. with that said, don't go around overspending just because you have 0% apr for a little bit.  spend what you would spend with cash.
assistant