<prompt> Human: I posted on here probably a week ago asking about my credit score. I am 19 years old and just recently got my first credit card. My father was in trouble and needed some money so I let him use my credit card. The balance ended up being 298 out of 300 when it reported to the credit bureau. I have paid off 150 of it and am paying off the rest on Friday. My previous post was asking how badly this would impact my score, and it turned out to be that it would hit it negatively by 50 points. My main question i guess is, is it typical for it to fluctuate that much? Will it probably go back up by a similar amount when I pay it off?  <response>: Utilization has no memory, it resets every month. Once you pay it off your score should come back up. In the future you should try and keep utilization below 30. 