A timed case combines minimum payment timing and utilization. Vera has $650 in checking. A paycheck arrives in 6 days, but a credit-card minimum payment of $140 is due in 2 days. The card balance is $2,600 on a $5,000 limit. Vera is considering a nonrequired appliance upgrade for $600 before the statement closes. Which choice best connects cash flow, credit score impact, and debt management?