u/Complete_Minute_5661

Hello y’all, I have a question.
I’ve had my credit card for a little over 10 months. I got it after I turned 18. Up until recently, my credit score had been steady and rising, but lately it’s started to decline. I’m not sure why or what to do. I don’t have any debt, and I’ve never missed a payment, so I’m confused about the constant drop.
I read something about utilization being a factor, I’m not sure what that is, I’d really appreciate if someone explains it to me.
Any advice would be greatly appreciated. Thank you.

Hello y’all, I have a question.
I’ve had my credit card for a little over 10 months. I got it after I turned 18. Up until recently, my credit score had been steady and rising, but lately it’s started to decline. I’m not sure why or what to do. I don’t have any debt, and I’ve never missed a payment, so I’m confused about the constant drop.
I read somethings about utilization being a factor in this, but I’m not really sure how that works and I’d appreciate if someone explains it to me.
Any advice would be greatly appreciated. Thank you.