I think you might want to think of your credit score in a different way. The way I explain it to people is that your credit score is the measurement of your ability to borrow money and more importantly your ability to pay it back. That’s why people who can already borrow money can borrow more money easily. If someone else is willing to lend you money then I would too. Lower risk. So the greater your balance means more risk to pay it off so your score drops. The banks aren’t out to get you. They are in the business of making money.

Also there is no need to constantly check your credit score. It’s only important when you need to borrow money.

Keep paying it off every month. Request an increase to your limit. Open one more card. You will be fine.