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fk92

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First on-time credit card payment always results in poor score?
I just looked at my score for the first time on credit karma after paying my balance off on time. This is my first credit card. Does a first time payment always reflect a low score starting? I admit, I have paid off my balance multiple times as well before payment date.

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Is this the only change?

Are you sure you don't have other events that have caused your score to drop?  Has your credit line been lowered?  Maybe another account has done a hard inquiry?  An on-time payment should never cause your score to fall.  Remember that just shopping around for credit can cause your score to drop.

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