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10gabby

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can using credit cards adversely affect my score by 20pts?

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Credit Karma Team
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Hi 10gabby,

Yes, particularly if you are utilizing too much of your available credit (typically more than 30%), your credit score can certainly take a hit. When your utilization is back under control, the score should rebound too. Of course, there are more factors at play than just credit card utilization rates. 

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