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Chucky43

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How does credit score drop 39 points changing one card to another???

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If you cancelled the card you replaced, you hurt your score.  I advise taking the time to read the articles here so you can better understand how credit works. Providing this education IS the purpose of Credit Karma'

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Opening a new credit line will usually result in a Hard Inquiry which dings scores and also reduces the "average age of accounts" which dings a score. If you closed your old card, you reduced your "average age of accounts" even more, at least with Vantage Scores (the ones you get here). Thankfully, FICO scoring systems still factor in closed accounts in calculating the "average age of accounts". I advise you to spend some serious time reading all that you can about credit and check your FICO scores from time to time.

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