<prompt> Human: I just got my first credit card, the Capital One Quicksilver One. My scores before applying were TU 649 and EF 706. I got approved with an initial limit of 1,000. Within minutes my TU score dropped 51 points to 598. I knew it would go down for a hard inquiry and credit age change but 50 points? I had nothing showing on my credit but 2 closed car notes both closed 4 years ago that had one late payment as a negative.. Why would my score drop so much?  <response>: Score usually plummets when you open a new line of credit. It drops your average age by a lot. Give it a couple months and itll be right back to where it was. 