So I am getting ready to buy a house and I paid off all my credit cards ($ 10,000) last month to lower my debt to income. I have been waiting for all the reporting to come in to see what it does to my credit scores. Which is why I have held off buying a FICO 8. The real problem is I want to buy my wife a new camera for mother’s day. If I do it with our bank account there is no way I can explain a $ 1,300 purchase without telling her what it is. So I have to put it on credit to keep her from finding out. My highest card is a Chase amazon $ 1,500 (2 years into a credit rebuild current score 640). I am just going to pay in full the purchase after mothers day but I don’t want it to show up before all reporting comes in and hurt my score. Has enough time passed into the new month for this to be fine?