<prompt> Human: Ive just learned of the law of diminishing returns and wanted to know if it would apply to my FICO credit score. Say I am getting a mortgage or auto loan and trying to get a lower interest rate. Will it matter if I have 730 or 750? How about 800 or 850? At which point should I stop worrying about increasing my credit score?  <response>: Even scores above 760 can be useful if you think of it as a resource for credit card churning. If you have a score of 800, you have 40 points to spend on new credit applications for bonus miles and cash back without impacting your ability to get top tier loan rates. 