<prompt> Human: When I first got my credit card Capital One Journey Student, I used less than 10 of my credit limit and my credit score went up almost 30 points. Awesome.The next two months, I used about 3 and 5, respectively. I think it went up less than 3 points, total.This month? I used 44 and it dropped 28 points.How the hell is this calculated? As it is, Im already confused by when my score gets reported to the credit bureaus. I figured I could just spend 5-10 as needed, of course, let Capital One report my usage, and then put the rest of the months expenses on there for the rewards, but theres only a 10-day gap in between when I owe the current balance and when the statement for the next balance is due. This 44 came out of nowhere because I thought it didnt get reported for another week.What gives? Am I supposed to just give up on the rewards because of how screwy the process is where Capital One reports my credit usage?Assistant: Stop obsessing over your credit score each month. Use your credit card responsibly and pay off the full statement balance each month and in a few years youll have a fine credit score.Human: With all due respect, no. Im apartment hunting and a credit check is needed. Im not obsessing, but I do feel the need to ask when it drops this many points.The card gets used responsibly and the balances get paid off every month, so those arent the issues. Its a matter of either finding out when my usage gets reported or forgoing the rewards which Id be fine with.  <response>: Credit utilization is recorded every month, just keep your credit utilization low the month you apply for your lease and youll be fine. There is nothing you can do about it, every credit card will have its credit utilization pulled every month. 