<prompt> Human: So I have had only a single capital one credit card since November 2014 and I have always paid the balance in full every month within 4 or 5 days of the due date, usually because of bills clashing.Some how though I have managed to never miss a payment on anything. Ive never had a balance on my card ever during these entire two years. I had a credit score of 745-748 in October 2016.I recently needed a new bedbig dog, tiny box spring and had no choice but to finance for it. I ended up opening a new line of credit for this with Synchrony Financial in October 2016.This new credit card has a due date towards the end of the month, whereas my capital one card is usually paid around the beginning of the month. I figure whatever, maybe Ill get into the habit of paying all of my bills early and all at the same time. Coincidentally, my capital one card has an annual fee that I completely forgot about. I didnt take this into consideration when paying the bill. This annual fee was apparently tacked on 2 days after my bill was due, 3 days after my payment of the full balance had posted. I also didnt pay the the entire balance of the new Synchrony card because Im poor and my dog eats a lot. I did however over pay the minimum balance because the contract I signed stated that I would need to pay the bed off within 12 months which is not possible at 70 a month. I ended up paying 150 instead. This deduction posted to my bank account 3 days before the due date.I checked Credit Karma recently and found that I have lost 34 points in less than a month. I dont know what I did wrong, other than not paying the entire Synchrony balance in full. And I dont understand why Im being penalized for having an annual fee tack on to my account 2 days after the due date. Can someone please tell me what I should or could do to change this recent trend?  <response>: 34 is not a lot of points. It probably went down because the new account increases your debt ratio. Paying at least the minimum on time wouldnt hurt your score. 