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Source Reddit r/CreditCards reddit.com Forum
July 5, 2026 ai_technology consumer_credit

Need some help understanding Chase Freedom Rise and why my score dropped

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Summary

Hello, i’m still a little new to building credit and am trying to build it with this starter card, but am still not really sure the best way to use it to increase credit or how Chase calculates credit scores. Full context: - I have a credit limit of $2000. - My “payment” due dates are the 15th of every month. - “Closing” dates are the 18th. - I had a usage of over 30% on June 24th. - I paid off that usage on July 3rd. - My score dropped because my usage went over 30% My confusion lies because I

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