Why my credit score is dropping without reason

[sojupatil]

My cibil and Experian score is dropped by 16 and 13 without reason I am paying credit card bills on time and using less than 30% of my credit limit. One I just paid some extra money on credit card bill I don't think that should be reason for this

I have idfc first wow secured credit card

 

[krishna1718]

make sure limit utilization between 1 to 10 % dont pay extra you can see growth in 2 or 3 months paying some outstanding will only help to grow, negative or zero bill score indicates you not using card so score drops

 

[Skylar]

My cibil and Experian score is dropped by 16 and 13 without reason I am paying credit card bills on time and using less than 30% of my credit limit. One I just paid some extra money on credit card bill I don't think that should be reason for this

I have idfc first wow secured credit card

Please do not be overly concerned. With only five months of credit history, it will take some time to build your score to over 760. As you mentioned, continue to make timely payments and maintain a low utilization ratio, ideally under 60%.