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Point deductions
I recently received a 22 point deduction for high credit utilization. I only have a 200 dollar credit card, and I understand the credit utilization aspect. Never had a late payment, never accrued any interest. My question is if I I pay off my monthly balance (which I always do) will I get those points back? I've worked very hard to raise my score by almost 100 points, and I find it silly to lose that many points simply because my secured card is low. I will raise my credit limit to avoid this in the future, but desperately want to know if those points will come back in the near future. Thanks.

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