I’ve got two cards, a regular no-rewards credit card through US Bank with a $ 1000 limit ($ 0 balance), and a Chase Freedom with a $ 2500 limit ($ 1900 balance). The Freedom is in the 0% interest period for another 14 months. I had to make a few large purchases, and I can pay the whole thing off but should I carry a balance at all? I don’t want to hurt my score because I hope to apply for the Chase Sapphire Preferred in the next couple months and I would be looking for a $ 5000 minimum because I’d be using it for some travel that I would pay off immediately. I had a 741 according to CreditViewDashboard, but it looks like opening the Freedom last month dropped it to 728. On the simulator I raised the balance to 1900 and it took a 40 point hit. Obviously I don’t want that. My closing date on the Freedom says 10/14, so should I pay the card to 20% or 30% utilization tomorrow? Or will it be too late making a same day payment and I have to deal with the statement reflecting the $ 1900 balance.