As mentioned in the past few months, I have been trying to manufacture spend through gift card reselling/churning. In order to make it a little easier for me, I have been letting the statements close with the pending charges, in which I pay in full before the due date. The charges have been fairly high, couple thousand across three Chase cards chasing Ultimate Rewards points.
I was not paying close enough attention to the FAKO score on CreditKarma and saw my score drop quite a bit.
Before I started, I had a 759, now I have a 737. I was going to apply for a few new cards in February, I may not go through with it until the score picks up a bit. I will now pay off the entire bill before I the statement closes and wait until my score goes back up before apply for new cards.
