iPhone purchase affect on credit
I hope I ask my question correctly. I have flawless credit in that I have never had any negative notes, missed payments, etc. However, I have never had an installment loan (car, mortgage, etc.) and my credit hovers around 810, but never gets seems to get higher than that.
Recently, while I was on the other side of the country, I had my iPhone stolen and had to purchase a new phone. I absolutely hate having to make purchases like this on the fly, but had no choice, so went to the apple store. I'm not loving the way things went down at the store because I felt a bit trapped, but walked away with an iPhone 17pro. At the time, I ended up paying for it with a monthly zero-interest payment plan my already existing Apple Card - which has a $8K limit and no balance.
I was just going to pay it off when I got home, but it has me wondering: is there any credit advantage in having it open and paying it off month-by-month. So far, its not listed as a distinct line of credit in either my Rocket Money or AmEx credit score reports. I would rather pay if off completely but if this will be type of credit account that gets me to that highest rung of credit, I am game.
(FWIW - the purchase has lowered my available credit, but is not showing as an outstanding balance (if that makes sense.))