Model what repeating a course would do to your CGPA, under both replacement and averaging policies.
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Universities handle repeats in one of two ways, and the difference is large enough to change whether a retake is worth your time.
Replacement: the new grade substitutes the old one. Credits are counted once. This is the favourable case, repeating a 3-credit F as an A on a 3.00 CGPA over 30 credits lifts you to 3.40.
Averaging: both attempts stay on the transcript and both count. The same repeat produces 3.09 instead of 3.40, because you have added 3 credits to the denominator as well as 12 quality points to the numerator.
The gain scales with credit hours and with the size of the grade jump. Repeating a 4-credit F is worth roughly four times as much as repeating a 1-credit F. Repeating a C+ to get an A− moves far less than turning an F into a B. If you have limited repeat slots, spend them on high-credit failures first.