Fico Scoring Question.. Need help about paying Credit Cards

[Madyun1982]

Hello Everyone. I hope all is well with everyone this evening.. 

I have a question... I have to move unexpectedly. I have two payments due on the 2nd of Dec and I have balances on my other cards but the payment isn't due until Jan 2019.. How much will it hurt me if I only paid the credit cards that due on the 2nd of Dec? Then pay the other cards January? I need the funds to cover my moving expense. I may not need all of it, But I just want to have the funds on hand just in case. Any advice would be greatly appreciated.

[Anonymous]

So the statements have already generated for the ones due in January?

In any case, utilization has no memory so if you take a hit for reporting higher utilization, it will all come back when you pay it off in Jan. Do what you need to do and take a break from obsessing over the score.

[CreditInspired]

OP

As long as you pay the minimum due before/by the due date, you’re good to go. Just do not NOT pay the minimum due on your cards.

[RonM21]

You should be good here Op. Like mentioned above, making sure you pay whatever you owe by the due date should be fine. Based on your utilization and profile, you could see a slight drop in scores if whatever you carry over is a decent bit more than it was. But once you get to getting it back down, the score should recover.