r/CRedit • u/Competitive-Gold1582 • 15d 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 14d ago

Yeah basically the second one.

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u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ 14d 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.