So I had 1000 in credit with about 10% util , then I got a $2000 line and my score went up by like 15 points. I spent 600 of that 2000 and now will have about 20% util. Will my score drop? Do I have to pay the whole 2000 back down to 0 to keep that score gain that I received?
If everything is equal, and your score changes were due to util alone, then your score would drop once the new balances report. And when the balances go back down, your score will fully rebound.
