<prompt> Human: Hello,So im new to the credit world and just made my second payment on my credit card with a limit of 1000. My first payment on my card was 70 something and I just made my second payment a few days ago which was 464. I checked on Credit Karma and on equifax my score drop 26 points from 690 all the way to 664. Im still in college so im not necessary worry about my score too much, but this seems to be such a big jump.  <response>: You have a very thin credit file and your total available credit is 1,000, so if you had 464 charged on it, you were utilizing 4637; of your credit, and utilization is a big part of your score. Now that youve paid that off, your utilization has dropped back down, but that doesnt always get immediately reported, so the credit scoring algorithm is still seeing the high utilization. Once it does get reported, the score will update accordingly.High utilization has no lasting impact on your scoreonce the algorithm sees that the utilization has gone back down, it will no longer have an effect and your score will rise again. Unless you need to use your score in the next few months, its not a concern at all. Keep up a history of regular and responsible use and repayment and youll see your score continue to rise over time in the long run. As you get more lines of credit and higher credit limits, utilization will have much less of an impact and your score will stabilize more, but when its new its pretty normal for it to fluctuate quite a bit. 