<prompt> Human: Until this month my credit score via Experian was 816. It was recently reduced to 802 for reasons I dont quite understand.I have a total credit limit of 33k across three cards. In July I took a vacation and put about 3,800 on a credit card with an 11k limit. My average monthly spend on cards accumulated is between 1000-3000. This month was probably closer to 6000 total. I always pay my accounts cards, loans, etc. on time and in full, and have never missed a payment.When the month closed, I got an alert via Experian that the bank reported the credit card balance, and two days later my credit score took a 14 point hit, putting me uncomfortably close to 800.Questions:1. Why did the bank report this? Does it flag anything over a certain usage percentage? Is there a rule of thumb for keeping usage under a certain percent across total credit, or across individual accounts?2. How can I avoid something similar in the future? Do I spread the spend across multiple cards? Pay off the balance before the month closes? Increase my credit limits?3. How can I increase my credit score? Not only regain the lost points, but increase it further so I have a healthier buffer between my score and 800, just in case these kind of shenanigans happen again.Thanks in advance!Edit: Thanks for the helpful answers! Case closed!  <response>: When your scores are this high, these kind of swings are inconsequential. Worry about something else 