Ok, I have a CapOne card with $300 limit (I know, I am new to credit,) anyways my balance is currently $120 ish. Now I know that's bad for my credit but what if I pay the entire balance off right now, before they report it to the CRA? I know they still put the highest balance I have ever charged on the card in the "HIgh Balance" section of my CR, but will it affect my credit score?
