I would be very careful about spending to your limit even if you pay it off every month. This may work for a particular person's situation but not for all. I think the best thing to do would be to check with your credit card company and ask what they think the impact will be. I just read online, true or not? as it is online, that the cc companies report the balance on a particular day each month and not the due date so if your company does that they are reporting a high balance if the report goes in the day before you pay it. I would think the better thing to do if you spend the limit and can pay it off is to ask for a higher limit so you can stay under it. Personally I would feel a person who spends their limit each month is just one mishap away from not being able to pay some month in the future and therefore not a great credit risk. Just my opinion.