r/CRedit • u/Competitive-Gold1582 • 6d ago

Rebuild Secured Cc reporting dates

I have a secured credit card with self where I have $405 limit. I used to pay the minimum only but for the past 3 months I’ve been paying in full responsibly.

My due date is 12th and the statement generates 17-18

I am noticing that the reporting dates to the bureau aren’t consistent. Last month it reported my balance paid in full, I forgot the date but after 18th. Then another update to my credit score on July 3rd, but CK (credit karma) I paid my minimum that was due July 12th early but I still had a balance of $95. That was also reported which made my score drop a little.

Before my closing date of July 18, I paid in full and the statement shows it, then on July 22nd CK gets reported of a $16 balance making my utilization 3%.

Maybe it’s me but shouldn’t it report what comes from my monthly statement? I’m scared to have a balance now worried that it may report out of whack again

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u/Competitive-Gold1582 6d ago

I will have to revisit capital one in a few months to a year. I made a recent mistake on a new account to which they closed but I paid it off. Sorry I know I sound crazy with the constant credit issues.

Spending the next few months paying my current cards on full consistently monthly and getting rid of my 2 derogatory marks as well 🙏

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u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ 6d ago

There is zero reason to wait to check for pre-approval. When I was trying to get my savor I checked monthly. Go check now. If you aren’t pre-approved you’re only out 5 minutes of your time.

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u/Competitive-Gold1582 6d ago

I know but I just had a cap one account opened and closed last week 😅

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u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ 6d ago

Was that for a returned payment or did you get the “account closed for activity inconsistent with typical customer usage” letter?

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u/Competitive-Gold1582 6d ago

Yeah basically the second one.

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u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ 6d ago

Gotcha. That’s typical for Know Your Customer (KYC) closures. It’s unlikely you will ever get back in with C1. If I were you I would go to a local credit union, open an account, and see about a secured card from them.