<prompt> Human: Hey guys, I am 19 and I got my first credit card a few months ago to build my credit. It has a 300 limit at the moment. I am using Capital One and the app has a CreditWise section that updates your score. Well I first checked my score and it was 607. However after paying my first bill, I checked again and it was at 513.. I had shocked. My payment was due the 22nd and I had paid it on the 15th. However I did use 299.80 worth of my credit line. Did it drop because I got so close to maxing out? If so, will it rise tremendously soon once they process my payment?  <response>: Your credit utilization was almost 100. This looks really bad from a creditworthiness standpoint. However, credit utilization has no memory. If you keep your utilization low during the next billing cycles, your score will go back to normal. 