<prompt> Human: Could my credit drop because Im using up my limit and then paying it off? Im really lost here and cant find anything concrete.  <response>: Usually credit card companies send your information to the 3 credit bureaus once a month. What probably is happening is you accumulate a large balance and then pay it off after the credit card company sends your information to the 3 credit bureaus. If you pay off the card twice a month, then you wont have this issue and your credit score would go up. 