<prompt> Human: Hey, long time lurker, first time poster. I have a credit limit of 2000. I went travelling and the total hotel charge was 1470, but they also charged me for the deposit of 600 I didnt know they were going to add this on. I had a few purchased on there so I ended up going over my limit unknowingly. Ive never Made a late payment and my credit score is 720 - how will this affect my current score? Or am I just overeating? Thanks in advance!  <response>: Your credit utilization percentage makes up part of your score, so this is definitely going to hurt it. But only temporarily.Credit scores do not take into account historical credit utilization. So unless you are actually applying for a loan right now or in the next month this makes absolutely no difference in the long run. 