<prompt> Human: I got my first credit card in August of 2016 when I was heading off to college but I didnt start checking my credit score until September of 2017. It started off at 738 and peaked at 762 in December. However in January I got a credit card that my dad uses and pays off and since then my credit has dropped to 720. I know theres supposed to be a hit to my credit after getting a new card but is a 40 point decrease normal?In case its relevant, I make about 5000 in a 9 month academic year and live well within my means. I also have no debts or student loans  <response>: Yes. Thats normal. It will slowly rise back up over the next few months. 