<prompt> Human: I have 2 old credit cards that I havent been using and thought I was paying down. I checked in on them yesterday and both were over the limit and I was getting charged an extra fee. If I would have known this I would have paid so it was under right away, and checking my credit score it took a big dip. Is there something I can do to make this right and get my score back up quickly?  <response>: Pay down the balances. There is no other way. 