I have an Amazon Visa card with a $2,000 limit, and I get a certain number of rewards points every time I use it that I can put toward future Amazon purchases. Ergo I like to use this card for more expensive purchases (gaming consoles, computers, etc.) because the more I spend, the more rewards points I get. I've always been very careful about paying off the charges as soon as they post to my account. Basically, I don't use the card unless I actually have money in the bank.
Now, what if I were to spend the entire $2,000 limit on a single purchase? I've been saving up in anticipation of this purchase and therefore have the money already set aside in the bank, so I could pay off the entire $2k immediately. I figured this would be a good way to rack up some serious rewards points, but I wasn't sure if maxing out the card could hurt my credit score, regardless of how quickly I paid it off. Some sites I looked at said as long as I paid it off immediately, this would be fine. Others said to avoid going over 30% of your limit at all costs. Thoughts?