<prompt> Human: This is how I dont need to feel before heading into work...Checked my credit score and it used to be a 684, but it decreased by 36 points and I dont know what to do.Ive never been late with a payment, Im not spending over 100 each purchase, Im paying off my purchases off fully and not just on the due date...I know earlier this month when my bill was due I dropped 100 over the minimum, because I didnt have the funds to pay the rest but I do now and I just did that.I keep seeing last statement balance 273 and it wont let me pay that off! Check my previous post in the Credit Card sub its just really irritating.I dont know what to do. Capital One customer service didnt really help me either.I feel so stressed and overwhelmed now because Ive been trying to hard to keep my score increasing - not deceasing.My Equifax too keeps dropping! This is my first credit card so if anyone could help...its a capital one journey card...Assistant: Where are you checking your score? It should tell you what caused the drop.Without the information it is displaying, we cant really diagnose what happened. It may simply be because your credit utilization is higher right now. If that is the case, then dont panic! Once the utilization goes back down, your credit score would return to where it had been as credit utilization has no memory when it comes to determining your credit score, i.e. last months credit utilization wont affect your score once the new utilization is reported.Human: Im checking the Credit Karma app and Capital Ones credit wise app. I can check and type out some minor details I see before I clock into work.My percentage of credit usage increased from 0 to 55, which caused the drop and apparently amounts I owe increased from 1 to 273, which I mentioned before the 273 is listed as my last balance statement when I go to make a payment but it will not let me pay that off right now!  <response>: You answered your own question. Credit utilization is a huge component. Dont sweat it, it will be fine when you pay it off. 