How old was the first card, and did the second card report as $0 or with a balance? And there was nothing else on your report besides that one credit card, at all?
Could've been AAOA changes, or both cards reporting a balance offhand without more information.
@Anonymous wrote:
Revolver is from 11/2014 and PIF every month. New charger is from 12/2014 reported with $450 but I PIF'd when the statement generated. I have no other lines of credit.
Hard to say with that few tradelines when we're talking nearly brand new credit report. My own scores flucutated pretty spectacularly early in my credit building, and realistically you're going to want 3 credit cards eventually but I'd play with the balances a bit and see. Which charge card was it? If Amex shouldn't have been an utilization issue other than balances on 2/2 cards likely, and your AAOA is flatlined at 1 year unless you have a bunch of older accounts or extensive installment history.