I’ve been trying to stay around 20-25% utilization of my overall credit line in order to get the best bump to my credit score each month. However, I recently opened a Lowes cards over the weekend in the amount of $ 1,200 (which did appear on my credit report a few days later as a new account and inquiry). This is for this store use only and cannot be used as a credit card anywhere else. So do I need to now start factoring in this additional $ 1,200 into my equation when calculating out what my 20-25% utilization of my overall credit line should be each month? Or do cards like this not factor into my credit scoring since they are not full-fledged credit cards and just store accounts?