A credit card user shares concerns about fluctuating credit scores after a $3,000 charge. Experts explain how credit bureaus calculate scores and advise on maintaining a good credit-utilization ratio. Managing multiple cards can impact your score, and lenders prioritize older credit. Don’t overreact to temporary score drops, focus on long-term credit health.

Read more at Yahoo Finance: I put $3,000 on my credit card during a vacation and my credit score plunged. Why is it so volatile?