Weird problem…

Weird problem…
Profile photo of asked 10 months ago

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?

Register New Account
Reset Password