I buy things on credit card, and pay the full amount off, but my credit score is going down instead of up?

I have nothing else my name expect this credit card, and student loans that are not due yet because I am still in college.

  • supersaiyan [he/him]
    ·
    2 years ago

    so even if I pay in full, but I have too much utilization I will get a lower credit score?

    • silent_water [she/her]
      ·
      2 years ago

      yep, but only for that month. if you have a lower utilization next month, it will reset to a higher score. ultimately payment history is more important.