<prompt> Human: 1. Im 26. Before today, I owed 3000 on a credit card my first, on a 3000 limit. I owe 700 on a charge account used for emergency dental procedures, on a 3,300 limit. Before today, I was utilizing just under 60 of my available credit, all added up. 2. I got the credit card this past June, when my credit score was about 690, according to creditkarma. I planned on being responsible with the cc and using it as a credit building tool, but I got incredibly stupidspend happy. Now I have next to nothing to show for it, and thats all on me. Since then, my credit score has dropped from about 690 to less than 620. I am assuming this is because I was utilizing 60 of my available credit.3. Today, I received my tax return money. I received about 2300. I made a monthly payment for my dentist charge account, and then paid 2200 toward my 3000 cc balance. As of now, I owe about 800 on my cc, and my interest rates increase to 22.9 on the 18th of next month. How fast do you think my credit score will rise since Ive cut down my 60 credit utilization to about 24?The reason I ask, is that I want to make as little a monthly payment as possible since this is a financially busy next few months for me, because I want to knock that 700 charge account balance out asap, I have my brothers wedding go to out of town in June, and I need to get my drivers license back as soon as financially possible about 700 for reinstatement fees. I want to get approved for another credit card to transfer the balance to, so that I can hopefully buy time and keep payments on that balance to around 30 a month or so. Does anyone have any idea on how fast my credit score will rise? Also, how about a credit card that will be good for me to transfer an 800 balance on? Any and all advice or thought is so much appreciated. Thank you for reading.Edit: I make about 1000mo at about 25 hours per week since Im taking 11 credit hoursweek at college. Ill be entering a 2 year RN program in the fall. I pay a 92 min monthly payment for a student loan currently, and Ill have another 130 min monthly student loan payment to start paying in June. I live at home, rent free thank god. In essence, I need to take care of these 2 debts besides the student loans, get my license, and just strictly hold on for dear life for the next 2.5 years while I attend nursing school and get a job that makes substantial money.  <response>: Most credit cards report utilization when or shortly after they generate their monthly statement. Try checking a week or so after the statement arrives. 