Credit limit increase but credit score decrease??? | SpinGraph: None
SpinGraph analysis of Reddit r/CreditCards's Credit limit increase but credit score decrease??? story: none, none, Spin Score 0%, low AI repetition risk.
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Credit limit increase but credit score decrease???
credit utilization, FICO, credit score drop, credit limit increase
User’s credit score dropped after achieving 0% utilization and a near-doubling of credit limit User is new to credit management and seeks guidance on whether to maintain 0% or target ~5% utilization Post reflects common consumer confusion about how credit scoring models weigh utilization, timing, and recent account changes
Emphasizes personal confusion and anomaly without minimizing, deflecting, amplifying, or obscuring; minimizes nothing because it makes no claims about causality, systems, or solutions.
Learner frame — positions the author as inexperienced and seeking authoritative clarity.
A Reddit user saw their credit score drop after paying off their card and getting a limit increase.
Credit bureau used; Scoring model version (e.g., FICO 8 vs. 9 vs. VantageScore); Timing of reporting vs. scoring update; Presence of other recent credit activity
No credibility signals are combined because none are deployed; the narrative relies solely on authenticity of lived confusion. Nothing feels oversized — the tension lies entirely between the user’s reasonable expectation (paying off debt improves score) and the opaque, multi-variable reality of credit scoring — a gap the post names but does not resolve.
Extracted statistics from the source narrative
User paid entire balance, resulting in zero reported balance
Unspecified timing relative to score update