<prompt> Human: New card user - had a BOFA Cash Rewards card. 0 APR until November.FICO score was 710, 666, 656. Few statement balances carried over due to job loss.Asked to increase my limit, allowed, limit increased by 1700Now utilization is below 20ALSO. Opened up a new card with Amex. Intro. 0 APR, with a limit of 2,000. Now updated FICO score is at 738.Im on a new plan to pay off all of my cards since my income is more stable now. Do not plan to utilize more than 30 on each card. Will pay off before due date and not carry a balance. Is this good? Is this bad? Can you explain what happened and why I got the bump?  <response>: Your utilization dropped, probably. 