Big purchase on credit card?

your credit card payment will not be reported as late to the credit bureaus unless it is 30 days late and beyond. you will, however, be charged a late fee, though sometimes--one time--they'll waive the fee if you've been on time with them. your insurance makes no difference-- ins. cos do not report to the bureaus, so it won't help or hurt you. if you want points, charge it--but be sure to pay it off immdeiately(1-3 days after it posts). Be sure the $1k won't put you over limit--that's another ding, and often allows the card company to , without notice, out you at a much higher rate without notice (fine print). they say they'll adjust it back down but rarely do. with many insurance companies you save $$ by paying all at once as opposed to payments, but not all. good luck and congrats on paying so much attention to your stuff.