<prompt> Human: Okay so, I do not know much about my finance works and what to do is best so I am very basic with what I have.Ive had a debit card for about 5 years now and I have always kept about 2,000 in my savings. And the amount in the checking fluctuates, but I have never had problems keeping money on it.I recently moved out of my home and I got a credit card. Before the credit card, my score was about 750. After I received my credit card with 1,000 dollar limit, I purchased new tires, some apartment things, and same gas. So, I got up to about 900 and Ive already paid 100 to it. And I plan to pay about 50 dollars every month or so. I just checked my credit score and it went down to 658! Is this normal?! Will it go back up once I make more payments? I do not want bad credit at all and that is the only debt I have, so what do I do?!Also, any advice for beginners with just one credit and one debit card would be greatly appreciated if you have any life pro tips. :THANK YOU SM  <response>: Your average age of account is basically 0. Your utilization was 90 and is now 80. So yes, your credit took a hit. Dont use your credit card for anything you cant pay off each statement. You are carrying a balance if you pay 50 a month and falling into the creditinterest trap. 