<prompt> Human: I recently opened a new credit card with a 15 month no interest introductory period. I put about 3,000 worth of new furniture and moving expenses on this card with the idea of paying it off over 15 months and taking advantage of the introductory cash back bonus.I know logged into Credit Karma and see that my score has gone from 760 to 740. My utilization rate has gone from about 9 to 15. Is it normal to see a credit score drop 20 points from a 6 increase in utilization rate.Additionally, nothing else has changed regarding my credit report in the past few months except there were two new hard inquiries on my report from my new apartment and the new card. Thanks for your help.  <response>: Hard inquiries and increasing utilization will both decrease your credit score.But 20 points is not really anything. 