<prompt> Human: Whats up peoples. So I have two credit card accounts open, one with Discover and one with Chase. The Discover one I finished paying off in October 2015 and havent used since. I then opened up the Chase Card and used up almost all of the available credit on that card and have slowly been paying it off. With the two credit cards, I took advantage of their at the time promos, which was 0 interest for 15 months. I was never late for a payment and always paid more than the minimum so I could finish the payments within the 15 months. Today I decided to check my score and I had dropped about 50-60 points. The last time I checked it was probably 3 or 4 months ago so Im just a little confused on why or how my credit score had dropped, considering how careful and responsible I was about spending and paying off the debt.  <response>: It dropped because youRecently opened card esp if you only have two. I opened a fifth or sixth for a business a few years ago and saw no drop. Credit utilization. Using most of your credit is seen as a sign you might be in distress 