I used way over 30% of my card limit last month and my FICO dropped from 760 to 701 😢 is that easy to get back up if I stay under 30%, pay on time, etc. ??? Or will it take a while now to work my way back up to where I was?

how many days apart usually are payment due date and balance statement?

how many days apart usually are the balance due date and statement date?? Which one comes first? however much $ I have in my balance when the statement date comes around is what gets reported for utilization correct?

what is the difference between a credit card and a charge card? what are the benefits of a charge card?