Credit Scores

Icon said
But again, have the CC companies even had time to report that info to Credit Karma, etc? Doubtful.

Putting 100 on a credit card (or 100 apiece on 2 credit cards) in and of itself isn't what's going to affect your credit. Not paying it when it comes due certainly could.....and even then, a 30 point drop sounds excessive. Again, I think we're missing some key points in that story.
Click to expand...
The CC companies do report your monthly balance at least once a month. I believe that's automated. When I check the reports or current scores, it typically has the most recent statement balance. So it's possible that a charge you made a week before shows up on a report if a statement end date happened the same week.