<prompt> Human: I recently went and bought an engagement ring for my girlfriend a couple months ago. It was roughly 4k. I paid in full with my credit card when I purchased the ring and that was near the beginning of my credit card bill cycle. I have already since paid off my credit card and that purchase. I always pay my credit card off every month on time.However, while I was waiting for my monthly CC payment to complete, my credit score tanked 40 points from 775 to 735 because the extra 4k on top of my monthly expenses exceeded the 20 to 25 limit that credit agencies take into account when factoring your score. At the same time, because I was worried about not having enough on that line of credit to finish out the month and because I figured it would be okay if I waited until my usual payment to pay off anything over the 20 or whatever of my overall credit limit, I increased my credit limit another 3k. I have no current debt. Do I just have to wait until the agencies see that Im consistently paying off my billsrunning under the 20 or less of my credit limit again to see my score go back up to where it was?  <response>: You are putting way too much thought and effort into this. So you made a big purchase and paid it off right away. This is nothing to obsess over. Increasing your credit limit just so you will be at that magic 25 is foolishness. 