Can my credit score change drastically in one month?

Hello, My Dear!
I have read your story thoroughly. Take it calmly!

What I think will be better for you is to check the credit score all by yourself. Do not believe in the bank representative’s word.

You would better check your credit score from your existing credit card company or from free-credit card score checking websites.

I think the bank you have applied for the credit card is interested in giving you a mortgage loan but not a credit card.

I think you will better apply for the new credit card from another bank and check your credit score beforehand.
That’s all! Thanks for posting!

See your credit score can change within a month. Check your credit report and find out if there are any inaccurate negative item on it. One inaccurate negative item on your credit report is enough to drop your credit score. If there is any inaccurate error, then you can ask the credit bureau to remove it from your credit report. Your credit score may also have dropped due to a sudden increase in your credit utilization ratio.

Review your credit report properly. There can be some error that needs to be rectified. If you find any mistake, then dispute t with the 3 credit bureaus.

Well, no doubt, you can get a preferential interest rate for your mortgage loan if you have a good credit score! But if you have noticed a drastic drop in your credit score suddenly, I would suggest you check your credit report once. You can pull out credit report from each of the bureaus free of cost once a year. if you find any error, dispute it asap!