<prompt> Human: I got a notice from my credit union saying my credit score changed. Ive paid all my bills, didnt take out any loans, and have done everything right, yet my score dropped from 734 to 702. Why? Because I only utilize 19 of my available credit limit. Aparently not using my credit cards much and carrying no balance on all of them but one drops my credit score? Whats the logic in that? Seems to me banks should love it if I dont max out my cards, but I guess theyd rather have the interest and the fees and therefor are punishing my credit score...  <response>: Seems to me banks should love it if I dont max out my cardsNo they are actually very much ok with this, so long as you eventually pay them all that principal, interest, and fees. but I guess theyd rather have the interest and the fees and therefor are punishing my credit score...Thats not how it works. The banks dont punish anybody in terms of their credit score. They do what they do, and the FICO model does what it does. They dont control the FICO model, and its not like Bank of America can just decide that Bobby isnt using his credit cards enough so they are going to drop his score 20 points to teach him a lesson. 