Don't want to make it seem like you're not using your credit, though, as that affects it as well. It's a fine balance.You'll head back up by the end of the year with those habits.
Trick: Find out when your card issuers report to the bureaus and try pay off or pay down before that date rather than your billing date. That way they report lower or no balance sooner and that will help your score recover the dip.
I was thinking of canceling my World card and going to the no-fee one, using that for just Amtrak and getting a cash back card for everything else, but now I may do this and cancel my current World card. Isn't the $79 waived for the first year?I also already have both Amtrak cards. BOA just gave me my second World Card and the 50,000 bonus points.