Yes, it will be more prone to flare, and more "ghost spots". Although if you're thinking of upgrading your kit fairly soon to "enthusiast" standards, don't just buy the filter that your lens will hold (52mm for Nikon, 58mm for Canon), buy a, say, 68mm filter (or the filter size that your new lens will hold) and get a step-up ring. Not much point in buying two filters for two different lenses.