<prompt> Human: I only have 1 credit card Amazon Visa and I used this card to pay off my tuition this quarter 4,XXX. I immediately paid off the full amount and didnt think anything of it. A few days later I was alerted that my credit score had dropped 200 points as a result of a 207 credit card utilization. Why did this happen? How can I prevent something like this from happening again and is there any immediate action I should take?Thanks-not a financial expert  <response>: Dont spend past your credit limit. Anyway, its just a temporary utilization hit. It will bounce back when the new balance is reported. 