I dont know how credit cards work. If I make a large purchase

>>18457109
Credit score is calculated by utilization, overall negatives, accounts open, accounts applied for, and average age of accounts.

If you have a $2500 credit limit and buy something worth $2000 and take 3 months to pay it off your score will go down a fair amount as your utilization is 80% when the balance first hits.

>>18457114
Utilization isnt going to be more than 30% its just Ive never not paid my bill in full, Im not sure if that will negatively impact me

>>18457109
>giving kikes money.
Buy everything directly, only use credit if it's an emergency.

>>18457123
Mediocre advice.
>>18457121
Sustaining a utilization between 1-29% is beneficial for your score in the long run but paying interest isn't.

>>18457123
Uhhh thanks for the bump senpai.

>>18457133
>sustaining a utilization between 1-29% is beneficial for your score in the long run but paying interest isn't.
yes I get that. The question in the OP is will it hurt my score.
I have limit of $10k. I make a $3000 purchase.
Pay $1k (+interest) each month for three months.
Will it HURT my score?

>>18457141
In the short term it's highly unlikely.