I'm changing jobs soon, and there will be 30 days when I have no paycheck. I'm wondering if not paying off a credit card balance will hurt my credit rating. For example, lets say I owe $1000 on my credit card, and the minimum payment is $40. If I pay $300, will the $700 balance hurt my rating? We're interested in buying a house soon, too. I've never not payed off my credit card and am nervous, I guess. Thanks all.