<prompt> Human: I opened a Barclays Apple Rewards card to finance a new MacBook. That account is currently maxed out. Its my second credit card and I dont even have a year of credit history besides student loans. I got a ton of credit report alerts that I was too scared to check. Today I got the guts to check and it turns out my score went up from 651 to 677 which was kind of a shock. I was so sure the 100 utilization on this new account plus the hard inquiry would drop my score. Should I still expect a drop?  <response>: Dont stress to much about it. 